Oh I dunno, the Halifax refused to give me a mortgage when I could clearly pay it (LOL!) However, Andrea's right, you need to couch the letter in those terms.
I also have a restaurateur client and most of his part timers are Spanish who, even though they're here long term, have still managed, without too many problems as far as I know, to get accounts. I will see if anyone can offer any enlightenment on this as I'm in there later.
Jackie
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