I am not in a position to comment on the particular case referred to nor would it be appropriate for me to do so.
An application for a Home Choice Loan is submitted via an authorised mortgage broker to the Home Choice Loan central processing unit for assessment. The Housing Agency then, as the provider of a central underwriting service for local authority housing loan schemes, assesses the loan application. Where the Housing Agency declines a loan application the mortgage broker will be informed by the Home Choice Loan central processing unit as to the reason(s) why.