Submission FAILED.


Object reference not set to an instance of an object.


<inteflow>
  <request cd_type="submit">
    <user>
      <id_oper>openforbusiness</id_oper>
      <tx_password>password</tx_password>
    </user>
    <cd_service>SUBMIT</cd_service>
    <id_company>HEARTLAND</id_company>
    <id_merchant>OPENFORBUSINESS</id_merchant>
    <cd_security>IFE</cd_security>
    <id_channel>INTEGATE</id_channel>
    <cd_product>IFE</cd_product>
    <cd_country>64</cd_country>
  </request>
  <application_details>
    <id_reference_internal>BRE360XWR</id_reference_internal>
    <id_product_credit>OpenForRural</id_product_credit>
    <id_merchant_submit>OPENFORBUSINESS</id_merchant_submit>
    <id_operator_submit>openforbusiness</id_operator_submit>
    <id_merchant_contact>HEARTLAND</id_merchant_contact>
    <id_operator_contact>OPENFORBUSINESS</id_operator_contact>
    <id_flow>OpenForRural</id_flow>
  </application_details>
  <service>
    <application>
       <applicant cd_type="Principal">
        <company>
          <nm_company_legal>NA</nm_company_legal>
          <cd_type_entity>LTD</cd_type_entity>
          <am_operating_margin>0</am_operating_margin>
          <cd_industry>NA</cd_industry>
          <financial>
            <income>
              <am_amount>0</am_amount>
              <cd_frequency>Annual</cd_frequency>
              <cd_type>Turnover</cd_type>
              <am_turnover>0</am_turnover>
            </income>
          </financial>
        </company>
      </applicant>
      <applicant cd_type="CoBorrower1">
        <individual>
          <cd_title>Mr</cd_title>
          <nm_firstname></nm_firstname>
          <nm_middlename></nm_middlename>
          <nm_surname>Not provided</nm_surname>
          <dt_dob></dt_dob>
          <cd_gender>U</cd_gender>
          <fg_act_privacy>1</fg_act_privacy>
          <ct_dependants>0</ct_dependants>
        </individual>
        <address>
          <current_address>
            <cd_status_residential>NA</cd_status_residential>
            <nm_building/>
            <tx_no_unit></tx_no_unit>
            <tx_no_street></tx_no_street>
            <nm_street></nm_street>
            <cd_type_street></cd_type_street>
            <nm_city></nm_city>
            <cd_postcode></cd_postcode>
            <cd_country>64</cd_country>
          </current_address>
        </address>
        <contact>
          <work_phone>
            <tx_number></tx_number>
          </work_phone>
          <email>
            <tx_address></tx_address>
          </email>
        </contact>
        <serviceability>
          <am_living_expense>0</am_living_expense>
        </serviceability>
      </applicant>
      <heartland_application>
        <Loan_Information>
          <am_purchase_price>0</am_purchase_price>
          <am_total></am_total>
          <no_loan_term>60</no_loan_term>
          <am_total_security_value>0</am_total_security_value>
          <am_amount_financed>0</am_amount_financed>
          <am_equity>0</am_equity>
          <no_ip_count>0</no_ip_count>
          <tx_lender>OpenForBusiness</tx_lender>
          <cd_loan_purpose></cd_loan_purpose>
          <cd_borrower_type></cd_borrower_type>
          <cd_farm_experience></cd_farm_experience>
          <payments>
            <payment>
              <no_payments>0</no_payments>
              <am_payment>0</am_payment>
            </payment>
          </payments>
        </Loan_Information>
        <Debt_Servicing>
          <am_yr_income_app>0</am_yr_income_app>
          <am_mth_income_app>0</am_mth_income_app>
          <am_mortgage_rent>0</am_mortgage_rent>
          <am_other_creditor_loans>0</am_other_creditor_loans>
          <am_total_surplus>0</am_total_surplus>
          <am_existing_company_debt>0</am_existing_company_debt>
          <am_additional_amount_available>0</am_additional_amount_available>
          <am_existing_company_assets>0</am_existing_company_assets>
          <farm_owner>No</farm_owner>    
        </Debt_Servicing>
        <open_for_business>
          <am_cost_living_base>0</am_cost_living_base>
          <am_cost_living_add>0</am_cost_living_add>
          <am_flat_tax_rate>0.3</am_flat_tax_rate>
          <am_ofb_interest_rate>0</am_ofb_interest_rate>
          <no_ofb_term_months>0</no_ofb_term_months>
          <am_ofb_loan_payments>0</am_ofb_loan_payments>
          <am_capacity>0</am_capacity>
        </open_for_business>
      </heartland_application>
    </application>
  </service>
</inteflow>