IELTS Speaking Part 2: IELTS Cue Card/ Candidate Task Card

Describe an event when someone denied your request

: You should say

when it was
what the request was about
whom you requested
and explain how you felt about being denied

: Sample Answer

Last year I applied for a car loan but the manager of the bank denied my application. For this cue card, I would like to talk about this event when my loan request was rejected by the loan section and manager of the City bank. I personally met the manager to know why my application was refused, he explained me few facts that demonstrated why he had not granted my loan application

It was 2015, probably early August when I applied for a car loan in the City bank. As I went through their loan requirements, I found that I was quite eligible for their car loan that I was expecting to have. I talked to the loan officer of the bank, he asked me to fill up the loan application form and bring some necessary papers. After I submitted the signed application form along with the other required documents addressing the manager of the branch, I had to wait for two weeks

However, it was quite a surprise that the loan department and the manager had withheld my loan application. This was a bit frustrating and surprising to me. When I met the branch manager (his name was probably Franklin), he explained that I had to be in my current company for at least two years to be eligible for the loan. I asked him ‘why have not you mentioned that in your website and loan application form?’. I also informed that it would have then saved the time and energy I have wasted for this loan application. He was very professional and cunning. He explained to me that he must maintain the professional integrity and follow the bank rules in any situation. He also told me about some case scenarios where loans were not recovered since the previous branch manager did not follow the loan rules very rigidly. He also assured me that he will definitely consider my car loan application whenever I work more than two years with my current employer. It was, however, a denial of my current loan application and was a bit disappointing experience for me

As I was denied from the bank to be granted for the loan, I used my savings and purchased a second-hand Toyota car. I have applied for two other bank loans a few years back and none was refused. Nevertheless, I quite understand the reasons my loan application was not accepted and I am quite okay with that. The hard feelings that I had just after my application was refused are long gone