VF
If as you say you earn £100k pa
, have a small mortgage with loads of equity in your property, why the hell are you pissing around applying for an £8k CDL?
Borrow against the equity on the property and you will pay a damn sight less than CDL rates!!!
As I keep saying. You need to prove that you can fund, or are good for, any shortfall in training costs and you will get a CDL ...NO problem!
BTW, Si in your last post on this subject, you were going to meet with your Bank and let us know the outcome. How did it go?