Good afternoon David, We are sorry to see your 1-star review, particularly as we have enjoyed a positive relationship with you throughout the process. We have done everything we reasonably can to assist with your application. However, our referencing process requires specific supporting documentation, and where this information cannot be provided, it can unfortunately prevent an application from progressing. Having reviewed our records, I can see there has been considerable communication and effort from our team in attempting to resolve the matter and find a suitable way forward, but regrettably we have been unable to do so without the required evidence. Should you be able to provide the outstanding information, we would of course be happy to review the application further and assist where possible. Kind regards, Liz Bolger, Director