I applied for a 3000 top up loan from my local credit union and have been refused as I have 250 arrears on the existing loan. I am paying on standing order and I have not received a statement in over a year. These arrears are there and Iwere reducing nicely but not nicely enough. I am with them over 20 years, and not likely to do a runner. I probably would have made more of an effort if they sent me a statement. Is this unusual.?