No help at all!!

On the 2nd of Feb I app**** for a personal loan and went into the r/bay branch to hand in all paperwork requested. Online the bank states they need one month's bank statement, one month's salary slip and other doc's, I handed in three months bank statement, three months salary slip and all of the other doc's requested. i was told this not enough as they need my bank statement to reflect further back. I went back to my bank and went back to African bank and handed it in. A day later I was told the application was completed incorrectly, I once again went back and re app****. I waited until the 10th and had no response when I contacted then I was told my loan was declined because my HR department had asked them to phone back when they wanted employment confirmed. I was told to re apply AGAIN....I went back to African bank...app**** for the loan AGAIN...this was done last week, only to be phoned and told today that my loan was rejected because I have to wait 31 days before I can apply again.....why was I not told this when they spoke to me??? Why decline a loan when my HR department asks for the bank to phone back??? This is such a joke!