Terrible service

I took a loan on the 9 September and on the 10 of September I received the credit agreement and that the loan has been approved and until today the money is not reflecting in my account I phoned capitec numerous times today and nobody can give me a straight answer then I'm told the application needs to be reloaded and they have damaged my credit score this is unnaceptable and I will be going to the ombudsman and newspaper if this is not resolved and my wife will also ve closing her account as well this is the worst service I have received and now I can't take a loan anywhere else thanks to capitec bad service debicheck mandate has been done I have a email from capitec so further steps will taken if not sorted out