Flawed assessment criteria

Your credit assessment and scoring model is severely flawed. My Standard Bank cheque account reflects net income deposits of approx R230,000 per month. My bureau expenses amount to R180,000 per month and my living costs R15,000 per month. This leaves a surplus of R35,000 per month and yet when I apply for additional credit with you, you keep declining me with a reason of insufficient surplus.

My net income is made up of several sources: salaried income as well as rental and other income.

According to the NCA when a person receives income from means other than a salary, 3 months bank statements is sufficient evidence for proving that income:

(4) A credit provider must take practicable steps to validate gross income, in relation to:- (a) consumers that receive a salary from an employer: (i) latest three(3) payslips; or (ii) latest bank statements showing latest three(3) salary deposits;

(b) consumers that do not receive a salary as contemplated in (a) above by requiring: (i) latest three(3) documented proof of income; or (ii) latest three(3) months bank statements;

(c) consumers that are self-employed, informally employed or employed in a way through which they do not receive a payslip or proof of income as contemplated in (a) or (b) above by requiring: (1) latest three (3) months bank statements; or (ii) latest financial statements

WHY THEN DO YOU FAIL TO ASSESS MY INCOME AS PER THE NCA?