Absa homeloan declined !

Absa declined my homeloan application for affordability , yet im an existing customer for over 10 years with a credit rating over 700 points . Whats even surprising is that i am currently funding the homeloan ( my balance is only R318k )and my application is a section 45 application( because my spouse has passed ) .All i need to do is transfer the homeloan onto my name and life goes on as usual for my family and i but they refuse to assist an existing customer . I have app**** 3 times now over 3 years and they still decline me . How can it be affordability when im currently funding the same bond , they have no common sense . I even wrote to the CEO of absa , still awaiting a call from him and complained about the service from absa homeloans department and their consultants and junior management dont have a clue on how to treat the customer , yet their marketing talks about providing the highest level of service . They dont even escalate the matter to the head of homeloans for proper screening and evaluation . I even have all my short term insurances with them and considering moving to another bank . As an existing customer it leaves a bitter taste in my mouth and would never recommend absa homeloans to family or friends if this is how they treat their existing customers .