Exclusive Club

<p>After being declined on a R790 K bond I dropped down to R625 K that's R150 K down, but still on the 13/January / 2017 I was declined based on affordability whereby I had to review my cash flow. Brilliant, after using the Transunion report of 05/ October /2016 with a credit exposure of R307 K , you then decided that even on the worst case scenario calculation of 15% I don't qualify. Since I've prescribed to Transunion, every time there is an enquiry on my ITC profile I will get a text message and it will be recorded on my profile. This application was based on the report of the 5th/ October /2016 no wonder it is being declined, so the Intelect in charge of my application was so smart or lazy he/ she condemned me based on the conditions of 05/ October /2016. Attached find a report stating that as of 2017 my credit exposure is R269 K, and not by sheer luck but hard work (REVIEWING MY CREDIT FLOW). Do you see why FNB is an exclusive club for a few previliged.</p>