Wrong. Buying advertised goods/services. Not a test of academic ability. You mention DTV financial requirements. Do you know what is the requirement? Embassy doesn't publish them. Someone else commented that there is no minimum income requirement.
When my Thai sister-in-law received her rejection letter from Australia, it contained four pages explaining the reason, stating the weighting that had been applied to each reason and asking for her to verify if everything they stated was correct? She was invited to contact the writer if anything was wrong or hadn't been covered. In Thailand, a missing hyphen (misread by their OCR) can (and has recently) caused cancellation. That is not processing by any stretch of the imagination. Government departments have a monopoly on issuing visas so it isn't a case of choosing to accept their rules.
What don't you understand about an organisation advertising a service and accepting payment to provide that service? They have a duty of customer care and must be able to justify their actions. If they can't/won't the customer is entitled to get his money back. Perhaps you should now be asking what it is that the banks/credit card companies don't understand about consumer protection?
DTV_BegPecker If the embassy can't/won't justify their decision the reality is that the applicant can get his money back via chargeback from his bank/credit card company. Doesn't matter what a government dept writes upon their website or for how many decades they've been taking and keeping money without providing the service. Payment via western credit cards thankfully includes consumer protection.
With accepting payment to provide an advertised product goes an expectation of customer service. Government departments can write whatever they wish on their websites. However, if they fail to deliver their product, the customer is entitled to his money back. Fortunately, in such instances, our banks/credit card companies decide what is reasonable and therefore acceptable.
Nobody would pay up to $400 USD to a private company who advertised; 'we reserve the right not to supply your product and not tell you why'. Only a government dept would do this because they have no competition. That doesn't make it correct.
DTV_BegPecker Incorrect. The embassy advertises a service and accepts payment to provide that service. If the applicant is in accordance with the requirements they must issue the product paid for. Only government depts and certain strange people believe otherwise.