Clubs rarely give a mark lower than 65 because they then have to explain why they have given a low mark........Literally this. Or at least make clubs justify their marks (then at least the FA or whoever can see they've marked you down because they don't like you sending a player off and discount it) - obviously open to abuse but makes them put a bit more thought into it.
I've had very low club marks before and I mean low, but the clubs fail to justify these and those marks are ignored.........