Suspicion of reckless lending by ABSA

Absa gave me a mortgage of R1. 8 million and I suspect they did not do property evaluation before approving, unfortunately they insist that they did desktop evaluation. However based on the following reasons I don't believe them 1.The property is not registered with the municipality and appears as vacant land in their Gazette, 2. The interim loan application approval was emailed to me on the 20th May 2020 pending property evaluation and final loan application approval was granted on the 21st May 2020, 3. I complaint to Absa about it and they sent me a new property evaluation report of September 2021 with most recent pictures of the property but they refused to give me the evaluation report for May 2020. The property is now cracking, leaking and I am paying for vacant land rates at the municipality. Probably if they did desktop evaluation they would have failed to get data to complete their evaluation and therefore cancel the application and I would have been rescued from this ***** deal.