I was declined for a car but hadn't been given an indication of the reason for the decline. I feel the tone of the email I got was not friendly, and in my view I made a lot of effort into the application process, including providing a deposit. I do not feel the system of validation checks are fair, or reasonable because it doesn't enable the customer to understand how they have reached a commercial decision decline the application. You go to a bank and they decline the application - they will say it's down to credit scoring and refer you to external agencies. I spoken to the Sales Director and his response was rather abrupt and rude in my opinion. ''We are not at liberty to pass this information, your application has simply been declined. This can be for many reasons.'' This email does not in my view give an indication of what it is I have done wrong to be declined - is it a personal issue, is it my credit file, - no idea.