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Before we get started, can you answer YES to the following?
  are you 24 years or over?
  have you been resident in UK for at least 1 year?
  do you have a phone number registered to your address?
  do you have a bank or building society account with direct debit service?
  do you have a good credit history without any CCJs (County Court Judgements)?
  are you or your partner in permanent paid employment, min 16 hrs/week, self-employed, retired or in receipt of invalidity or disablity allowance?
Yes! All the above apply to me
  If you cannot say YES, unfortunately we cannot proceed with your application.