Jonathan, I am sorry to hear that you were not happy with our decision to not accept your application. I am disappointed that you did not give us a chance to talk to you about your dissatisfaction and especially when you were very pleasant to my staff on the telephone and did not raise the issues with them at any time that you have described above (and we were even speaking to you in the hour before the notification we received letting us know that you had left this review). I personally think that landlords will actually appreciate that we scrutinise very carefully all applications and use all our observations to decide if tenants may or may not be suitable. We will not take a gamble on tenant quality in terms of ability to pay their rent or to look after the property. In your case, and I of course cannot give out personal information in this public forum, we were made very nervous about your hiding information that you subsequently provided and you and your partner right in front of us were talking about what you should or should not tell us. Where we grant a tenancy, we are giving tenant(s) access to a high value asset (the landlord's property) and what is a high value financial transaction which could be worth £6,000 per annum or more which, if not paid, puts a landlord at financial risk. We take our responsibility very seriously before we are happy to recommend or accept a tenancy on behalf of a landlord and if we have reasons to not be happy then we will reject an application. I am sorry that this has happened in your case as your application has been rejected - and we will be refunding your application fee in full. We have acted in reasonable time - there were 2 working days from the point where you provided all information we needed to carry out our checks to the point where we called your partner to let her know that your application had not been successful. I do not consider this to be unreasonable and we do not call applicants every hour or two to let them know where we are up to, that is true. It is not at all as straightforward as you have made out - what about a situation where we have someone who earns, say, £50k per annum but has personal expenses of £55k per annum so we decide they cannot afford the rent ... I think most fair minded people would say that it is right we should be nervous about someone's ability to pay the rent. And yet that person could say "I earn £50k a year and Northwood would not accept me as a tenant". This is why landlords are prepared to pay for our service because they expect us to be thorough in our assessment of tenants in all aspects before offering a tenancy which is then a legally binding contract difficult to get out of if things go wrong. I am happy for you to pick up the telephone and call me to discuss further if there are issues left unanswered. Steve Adams, Director, Northwood (Wigan) Limited EDIT: Following your additional comment in response to my comments above, I do not wish to continue this conversation on an open public forum. You are choosing to give very personal details and that is your choice. I will purely add as a final comment that you gave us more than enough reasons to be nervous, not least blacking out a large number of transactions on your bank statements when you originally gave them to us in an attempt to hide an issue - it was very difficult for us to recover our confidence after that action by you regardless of all the other things you might be able to add that you believe supports why you think we should have accepted your application. I re-state my offer that if you call me I am happy to discuss with you. Thanks, Steve.