I don't know the players exact playing history (so thanks for replies despite the open ended question), but the details are broadly
a) club 1 is a CONGU affiliated club after all (I just couldn't find the club on howdidido so I initially assumed that meant they were not congu affiliated - my...
A player had an inactive handicap at club 1 often competed in doubles events, but never singles so never had an active handicap. The player then moves to club 2. (both clubs are in England- although club 1 is not affiliated to Congu)
The player then think he can submit three cards at club 2 and...