FNB home loan-unhelpful

I had the most frustrating time applying and negotiating interest rate with FNB. My MO did my application and returned with an unfavourable rate. Based on my credit record and years with FNB, i should have been given a rate well below the competitive banks. I then reverted to FNB online application as it advertised that we receive 50% back in ebucks and preferencial rate. FNB refused my application as i had an application with my MO even though i did not accept the rate with my MO. My bank brach manager also contacted home loans but to no success. The home loan employees are really unhelpful. My point here is that FNB failed to assist me when i " needed help" on a lower interest rate. Failed to allow me the benefits of ebucks and prefered rate. I had no choice but to accept the rate i received.