What's going on?

I app**** for a multi loan account with the bank and it was approved for the amount of R4100. I never received any documents in this regard but the money was made available to me and I used it. I expected it to be deducted from my savings account on my salary date, which my wife explained to me how it's supposed to work, but this never happened. Even leaving cash in my account till well later in the month but nothing happened.<br> <br> I called the customer service and they told me that it was never approved. I do not have a multi loan account.I explained that I did not get docs however got the money and just enquiring when they will debit my account or if there is an account I can transfer the money to, the consultant again advised me that no there is no multi loan.<br> August salary date however an amount of R4500+ was debited to my account. I understand that it was for the R4100 I used with interests however I was now short of R4500 on my budget!! my query is why has the multi loan not been approved to my account. If it is due to the fact that it shows on my credit profile that I'm under debt review, this is not the case as I can provide letter and emails with the credit bureau proving thi