A&L reluctant to lend me money as Changel has only been trading since 1st March 2011; ordinarily it should be 2 years!
Have had to ask S&S for a letter in support of application, confirming when Changel was established, details of income (salary, dividend and rental income to date) and why HCL was wound down. Beginning to feel that was a slight mistake, knowing that I wanted to move! 2 years' accounts my dear!
Ian Sweeting will write the letter for me so fingers crossed :-)
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