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Banks don't want to make loans anymore and will find any reason not to due to the mess they created 5 years ago with thier own loose lending practices. My wife sees this all the time with her job as financial officer for a manufactured home builder/sales. They will drag thier feet demanding new copies of paperwork that they already have been sent twice just to delay a loan a bit longer.
Banks nowadays rely on stiff fees for every imaginable reason to thier long standing account holders, and used car loans/credit cards.
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