Pathetic

Direct axis sent me a letter a week ago stating I can take out an additional loan where they will settle my current loan and deposit the remaining balance into my account alternatively I may apply for a higher amount should I wish to. They said this offer is valid until the end of January 2016. When I called the call centre they told me I was declined as I have to apply in 6 months time, when I asked the call agent why send out letters stating a top up is due she advised me it's based on my profile dated back to 6 months ago. I asked her how they can send out letters based on one''s profile dated back to 6 months ago and she couldn't answer me. It is absolutely pathetic that a standardised letter is sent out when the letter is false and based upon 6 months ago, not to mention embarrassing as you are told you declined. To top it off she said I app**** 2 months ago which I never did!!!! I can't wrap my mind around this as they send out untruthful letters with a big yellow marker CONFIRMING loan amount sent aside for you.