discrimenating unfair practice

I have apply for a extend on my existing loan but was informed that due to java connect trying to get payment out of my account on the 13 of each month and the contract date is set for the 15 of each month when my salary gets paid in I am not allowed to extend on my loan as it is up to date as well as my credit card and on the bank payments it shows java connect set a debit order for the 13 but again on the 15 the payment goes throw so I was informed I am a risk for the bank even my itc is clean and on 20 March 2015 this happened after the second time going to the bank on the same day then they send a email to their head office explaining the situation as they have all the proof needed on my bank statements on the 24 March yesterday I was inform sorry this was their final decision and was even told keep your side clean and try within 3 months from now again is this fair well I am in the proses of taking my house bond over to SA Home loans and already opened a account at Capitec as I want nothing more to do with this *******ed bank