Never use African Bank. I am going to Direct Axis rather.

I app**** via telephone for a loan yesterday. The loan was provisionally approved. The consultant said that he would send me details of what I need to send via sms. I never received the sms yesterday.

Today, I called to enquire about the holdup. The first bit of ridiculousness is the call-back system. After holding for some time, I selected the option for a consultant to call me back. But I immediately got a call back by an automaton and had to sit listening to the hold music for more than 10 minutes. What a stupid system. The reason a client selects a call back is usually because we don't want to sit on the phone. Call us back when you are ready to speak to us.

Secondly, the push message to verify my identity didn't work. So we had to do security questions. "Did you give African bank permission to send you marketing material?" What an inane question. Who remembers such things?

However, when I said I couldn't remember, the consultant tried to force me to guess. This I can't do. However, then the process can't move forward, the question, he said, can't be changed. I would have to go into a branch to complete the application.

Really? You don't want my business?

When I told him that I was going to file my complaint on HelloPeter, he just refused to assist further. He refused to give me his name. He just slammed the phone in my ear without even the courtesy of so much as a goodbye.

No problem. I have a great loan history with Direct Axis. Never ever have I had a problem with them. You may take your loan offer and shove it. I will get a loan on Monday from them rather.