finance- refusal of a proposed loan?

about ten years ago I borrowed a little money with which to buy a 125.

the finance company were so happy with me, that as soon as I had paid off the last installment, they asked me if I wanted to borrow more money for something else (I didn't).

since then I've paid off a significant borrow and am techically paying off another loan with a high street bank.

however, when I recently went via a dealership, to get a proposal for another loan for a different motorcycle, I was refused.

having contacted the lender, one of their staff told me that a credit rating is individual, and is unlikely to be tied to a particular address.

meanwhile I've had some separate issues with a council in the north where I studied an undergraduate degree, it's just dawned on me that they/one of their officials may have abused their power with regard to the misunderstanding that we had, and that they are somehow responsible for this- does anyone have any ideas as to why someone that has a long history of repaying loans should suddenly get refused?

any help would be lovely :)