Discovery Home Loans - do not waste your time

I app**** for a Discovery Home Loan and was made an offer. All went smoothly and surprisingly professional to this point. The offer states that the short term insurance and the life policy should be to this satisfaction of Discovery. Since I was looking for an more affordable option i.e. lower monthly expenses, these are very valid questions. My email was ignored. I send a second email but absolute silence. I phoned Discovery and was informed that the application is still active. I re-send the email and received a response that there are still waiting for an answer from the Credit team. That was a month ago. I learned in the meantime that Discovery partnered with SA Home Loans, which is possibly why the service is so poor. This raises the question, why is Discovery happy to partner with SA Home Loans despite the many complaints about the service. And why did the discussions went belly up when I asked Discovery to confirm that my current short insurance and life policy products are acceptable or not. Or is the intention not to read the small print and then be faced with a situation where one needs to change products, most possibly at a higher cost.