Pathetic Capfin

I had a credit limit approved for R45k with a R12k balance in Sept 2018, which meant that my available amount I could borrow subject to credit vetting as in previous months was R33k. SMS received. Then I changed my banking details in Oct for Nov (around the 22nd) expecting to be debited in No. They debited my new account (without funds) in Oct. Immediately I received an SMS indicating no debit received. I immediately transferred money to the new account on the same day. The next day I enquired about the amount I could borrow and they told me R16k now and yet I did nothing wrong. After speaking to numerous consultants and the manager, who escalated to the credit department, they now tell me that they have taken ALL my availability for credit / loan away due to an internal polucy change whihc they were not aware of when they spoke to me. So, despite never missing an instalment, I CANNOT access the loan amount anymore and yet this was not an issue when I borrowed repeatedly (same risk profile as before). This is a disgraceful prejudice for something I did not do except change my banking details. Now I do not have access to funds I had planned to use for something very important. Shocking from Capfin. Simply a disgraceful approach in dealing with me. All they punt is "the system says ..."