My wife has admissions from a reputed university in London and applied for an education loan with CREDILA. The executive was very confident about the loan and so we did not approach any other bank or institution. I'm a software professional with good financial standing and 10 yr relationship with HDFC bank, the parent organization. After collecting a detailed list of document they used up a week and without any convincing reason like credit card and housing loan dues and rejected the application. Please advice on what options are available to us to raise this for reconsideration.

Thanks in advance.