My smpathys with any body trying to get a CDL. I was refused four times with no resonable reason given by any of the banks tried which included RBS Clyesdale Co-op and finaly Barclays. 20 or 30 persistent phone calls later and a nice Aussy phone operator called Tanya finaly got me the loan what a pain in the arse. thankfully all training now completed. my background is I am a 22 year old ex Chef never earned more than 12k a year living back at home with the folks with all savings severly depleted. keep asking them and enentualy they will crack!