Something is a mis

I was unemployed a few years back and my load was written off, I app**** for a loan last year and was declined due to affordability and was told I could apply again after. My credit is now in a better status as per ClearScore and African Bank is listed as one of the banks I could take a loan from.

I proceed to applying for the loan and I am "pre approved". I need to bring my documents into a branch to finalise. I go to Eastgate branch Saturday morning, the consultant was very helpful and kind, then towards the end of the application he shows me on the screen that it says its unfortunately been declined cos I have an active account, but the balance is R0.

He tells me not to worry but he will help me call the back end off to clear this up, and that's when the call centre agent tells me I am blacklisted and he cannot help me.

My thing is why if I was blacklisted, why I not told on my first attempt last year and was be pre approved only to be rejected after going into the branch and with my daughters in high hopes, cos we need the loan for school stuff not for fun and games.

Can it please please checked, so I can help my 13 year old not fill like she's not worthy of a good education.