I gave up in the end, and rang the freephone number. Unfortunately, it only keeps you on hold for 14 minutes then kicks you off. 4 tries and an hour later and I managed to get an online chat window, she gave me a different number. When I rang I got music on hold for One Hour and Twelve minutes. Then a woman answered saying she was working from home, she explained that the web application was coming up with errors because I didn't have a credit history and they used a credit agency to double-check your identity. She asked me the date when I submitted my last tax return which luckily I knew as it was christmas eve, and she then entered the application manually through the keyboard. Just as I was putting the phone down a courier called in and said 'good afternoon!' which was met with incredulity as I'd started the application at 8am.