Capitec Bank - misrepresentation

I went to open an account with Capitec and was told it is quick - no ways! It takes about 2 hours and they take fingerprints no less than 10 times. Then they offer you a multi loan you can take up any time through internet banking. I tried to take up this loan, made an error and everyhing was cancelled. When I phoned the helpline they told me I have to go into a branch with my latest payslip and ID and they will re-instate the loan - that was all I was told on the phone. I then go back to the bank with ID and lastest payslip but no, now the rules have all changed. They need 3 months bank statements and you must have at least 2 months salary deposits before this loan can be re-instated. While I understand Capitec have their rules and systems, why can they not give you all the information/requirements on the phone beforehand instead of giving you half the information you need? I have now wasted an entire morning based on insufficient information given to me. I phoned the help line to complain but all they say is \sorry"Sorry does not make up for the time wasted. I will now go back to my previous bank (higher bank charges) - they say you get what you pay for - very true"""