Poor Customer Service

In September 2013 I bought a car with ABSA on HP. I pay R4500 a month for the vehicle. I have paid every month for the car for the last two years I have never missed a payment. I want to now settle the vehicle and take another finance for a car that's roughly the same amount. ABSA has declined the new finance application saying that I am over committed and that I conduct my cheque account in a poor manner. So I don't understand how do I manage to meet my car debt order every month but I somehow now I can't meet the debit order of the same amount. I have business account with ABSA and somehow every month manage to meet a fleet debit order. ABSA all your statements on your website is lies, you are not there to help your customers you are there to make our lives more difficult. I have had my personal account with you from 2010 and business account from 2012 but really how you treat your customers is just pathetic. For the fees I pay this is unacceptable.