Please does anyone knows what the the chances of getting approved are after receiving “procedure of fairness “letter? I was asked to explain why I had an outstanding debt on my application, I have paid twice and it was confirmed, am I not the one that need to be explained to why I had to pay twice? Now they have sent me the procedure of fairness to explain or my application will be rejected, I have explained to my best knowledge, pls has anyone experienced this and wat are the chances of getting approved after this?