Admin fee charge - contract wasn't fulfilled

Good Day,<br> <br> 2/03/2015: I went into the Woodbridge square FNB to submit docs for a personal loan app**** for via the phone (contract is contingent on the docs being submitted). After 1h of waiting, I was annoyed because I should have been able to drop them off and go. However, when I sat down with Vincent (I think his name was) he advised me that instead of a personal loan, I can take a revolving loan, that way I have access to repayments and I have no admin fees. I thought, wow, it was worth the time and he was so helpful, I was actually going to compliment FNB.<br> <br> Back at work I realized that both loans had been granted. So I quickly paid back the personal loan, including admin fee so that I can show that I didn't use any funds.<br> <br> 2 mths later I went back to the FNB branch, after 3 telephonic requests for personal loans to call me back (with no callback), I spoke to \Vincent"and explained to him what had happened. He said he submitted the documents to revolving loans"