They offered me a loan, made me wait 2 weeks, then declined

<p>I urgently need a loan for a family emergency. My credit record is good, I earn a decent salary, dont have much expenses as I live with my fiance who pays everything.</p> <p>The contention was that I changed employers from freelance to permanent 2 months ago, even though I have had a contant income. I also changed my bank when joining the new firm.</p> <p>When I submitted documents, I sent more than I should have:</p> <p>Sent 5 months bank statements (2 months of the new bank account and 4 months of the old bank account with a duplicate of June for both accounts).</p> <p>I also sent proof of income in a salary slip, as well as an employment contract stating what my salary is and that I am permenantly employed.</p> <p>I first was told that my proof of residence, which was a letter posted to me from Discovery Health was not good enough because it didnt show my policy number, then seconds after telling the lady from DirectAxis that I will send another account, I got an sms to say that my loan was declined.</p> <p>I phoned back and they told me that I was declined because the validators did not like the fact that my income was not the same for 3 months. The worst is that I was told that I cannot apply again with DirectAxis for 6 months.</p> <p>So here I am, good credit record, and earn lots of money, and have proven that I have a stable job with payslips from the past 2 months and 5 months of income, and yet I got declined!</p> <p> </p> <p>Worst is that this was genuinely an emergency, and now with all the time that DirectAxis have wasted of mine, I dont know how I am going to get another loan so urgently.</p> <p> </p> <p>It would be really nice if DirectAxis would relook at my application and see that I am good for the loan and help me.</p>