Boodle online loan services, what a waste of time, energy and data!!!!

I app**** for the online payday loan with boodle, initially it was declined and said I should reapply in 30 days. Last week I logged into my profile, and spoke to the online agent regarding my profile.

I questioned the reason for my application being declined and was told it was due to my credit scoring, which is clear by the way I don't have anything listed on the bureau as for some reason my entire profile and all previous credit information was wiped. I was then advised to reapply after the 1st Nov.

Today I log onto the website and proceed to do a new loan application. Again I receive a decline reason, when querying it with the online agent Sabelo, I am advised that the bureau states that I am currently high risk.

My question is high risk relating to what exactly, I get answered no the fact that I do not have any credit history on the bureau confirming my repayment ability.

So the fact that I am not listed on the bureau or have any defaults, plus I have a bank account with a statements reflecting 3 months of my salary and conduct on my account, as well as payslips and no affordability concerns as the only other debt obligations I have is a Mr Price account, and one micro loan are not taken into account to get an approval in a payday loan?

I was then very nicely told to take it up with itc as boodle loans are guided by the bureau, and yes as is every other registered credit provider In the country, however if l understand correctly what NCR and transuion both highlight is the importance of a good credit score and record, to enable credit providers to be able to a calculated risk when approving a customer for credit, the credit report, scoring helps them determine the customer risk and also there repayment ability but is looked at along with an income and expenditure assessment as well as employment confirmation.

There is no laid down rule"I stand to be corrected" that specifically states that if one is clear on the bureau that they will not be granted any credit facilities. Also I used to have account which had been paid up and closed when I pulled my itc report on the trnsunion website it was completely clear nothing noted at all. Now I have two other fairly new accounts on my nAme which will at least assist me with building up my credit scoring. However I am a customer with a good name for credit, regular income earner, with minimal expenditure and this is the answer I get? Are you guys trying to purposely chase customers at boodle loans?

Totally disappointing and a complete waste of my time, I would highly recommend that no one use boodle loans as they are not what they advertise to be, no drive and passion to help their customers or go the extra mile as it seems to be too much of an effort for them!