I’m extremely disappointed with my car credit... they accepted me for finance on a vehicle, they were told over the phone exactly what the vehicle was. I then had a phone call to say my finance was declined as it was a commercial vehicle and not a car. They knew this as I gave the chassi number of the said vehicle being purchased. Not only has this affected my credit rating as I’ve been declined, but I also turned down other finance that was offered to me at the same low rate. I’ve now had to go with a higher interest rate and a affect on my credit scoring for their incompetence. I was told the person who took my original call had only been working in the office for a week and was unaware that the company wouldn’t acccept commercial vehicles. I will have to take this matter further as my credit history has always been of a excellent standard but has been lowered for no fault of my own .