I am currently trying to get a loan to pay off everything that I owe and to buy a car, however I am finding it difficult as I apparently "don't meet the criteria" but they never actually tell me what the "criteria" actually is.

I have a personal loan for a computer that I have never missed a payment on, 4 catalogues, one I paid off completely and the other 3 I have never missed a payment on and my credit on all of them has been increased upto £800. I also have 2 contract phones with 2 different companies.

Also I paid £6.99 to look at my credit scoring with experian and was told that my score was 997, 1 point off being excellent.

my gross earnings are £700 per month and I currently live with parents

Could you tell me what could possible be the reason why they won't give me a loan? Because I know alot of people who have worse credit statuses that mine and still get loans?