Bad Customer Service

Went to capitec bank to apply for a loan, the consultant was very ***********, questions that he asked me showed how little he value me as a client. He asked me if I new about my unpaid debits, when I told him my monthly groceries and he asked if am telling him that's is all I eat for the whole month. Instead of telling me I don't qualify he said he has never seen anyone with so many unpaid debits, I should consider getting help eg speaking to the debt counsellor. If I wanted those kind of advise I would have asked him. I was so depressed. Surely they was a better way to tell me that I do not qualify instead of making me feel like a looser