FNB Home Loans

As a Private Client and being a client with FNB Home Loans since 2003, with the assistance from my Private Banker and a Specialist from FNB Home Loan Sales assisted me with my re-advance application. 05/01/016 it was submitted. 14/1/2016 followed up and established that my documents were missing. Case escalated. 19/1/2016, application declined due to affordability. As a joint bond holder, I presented a negative cash flow,however, my spouse presented a positive cash flow after all expenses were met. 26/1/2016 motivation was submitted with the assistance of my Private Banker and Specialist from Home Loans containing my proposal to reduce my debt, Personal Loan Account would be settled in full with my own funds,not only reducing one of my short term debt liabilities but leading to a positive cash flow if approved. This would allow me to service my new proposed amount. Today response declined again, this time the proposal was misinterpreted and information related to my Private CC was falsified. Is this how FNB conducts business??? How can we help you, no way!!! I EXPECT IMMEDIATE INVESTIGATION INTO THIS MATTER.