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Hi there
Sorry to hear you couldn't get through to your TBDM - I'm happy to pick this up for you if you want to email me?
We are vanilla when it comes to adverse for sure but there is a tolerance which I would have expected this to meet if a while ago and a minimal amount so that's a shame. Our tolerance on what we deem to be adverse data is being looked at by our product team and I hope will we one we can loosen up on a little - so thank you for raising as these real life scenarios really add weight when we can see a good case being declined.
I certainly hope the changes we make in the coming weeks and month will help us win more of your business - under 2% makes me quite sad - but I understand it
AJ
