Disgusted with homeloan Department

Below is direct communication without any interaction : FNB Home Loan's credit appetite follows a risk factor approach to lending. We consider a number of factors in determining the acceptability of a customer for lending and the level to which we are able to lend, including but not limited to:

- The customer’s credit profile and other lending’s, nature of income streams, expense profile, household size and resultant affordability, Did you verify my household size? Did you verify my affordability with me? How did I pay off a 20yrs bond in 7yrs, yes go figure!

- The customers age and employment history, credit history obtained from the various credit bureaus and account conduct with various creditors and banks, Are you discriminating against me because off my age which isn't even close to retirement? My employment wasn't a problem for Westbank to approve my 400k vehicle purchase a year ago Is it a crime to change jobs or get retrenched or resign? Credit history is squeaky clean except my depute with flexi holiday club

- The location and nature of the property being bonded, together with factors affecting the valuation and resale capability of the property in question. If this is an issue, how did you approve the bond 8yrs ago? Wasn't the location an issue then? When did my area become high risk, show me statistics What valuation and resale value, when this complex has units that are sort after.... Justify My property is valued at 1.350 mil.... Show me the valuation you conducted today, yes today! The Bank then assesses these factors and determines the amount to which we are able to lend based upon our current appetite for risk. The factors as mentioned above are considered as a holistic picture and the results are then considered. It is often not one or two factors but a combination of a number of factors that result in the overall outcome and decision, based upon the bank's risk appetite. Banks risk, did I ever skip a payment? Why was my bond paid in 7yrs not 20?

This risk appetite changes over time, dependent on broader economic events and global scenarios and thus historic indicators of acceptance for lending at certain levels will not always remain available as circumstances change. In this particular instance, the application was declined due to misconduct of accounts and ITC listings. Please contact Compuscan for more information.... Exactly there is proof and numerous emails to prove my dissatisfaction with flexi club. Communication to them end may 2020, once again following up? Why aren't my other accounts in arrears? Did you'll bother to check with me why an excellent profile is *****ed by one account... That alone reveals I might be in a tussle with them. I have the money in a savings account to pay them but refuse too because I requested a cancelation since mid 2019. Please feel free to verify my saving account.

We regret the position, and trust that we have clarified the matter. Clarified what? Insulting me? I have banked with FNB for 8yrs after switching from from standard bank whom I banked with for over 40 years.

I am truly disappointed to be treated in this manner without any engagement. I made an online enquiry with home loans, 2wks later no response so I eventually called in.

FNB you'll have broken my esteem with your duty **************.