FNB TO UPDATE MY INTERNAL RISK FACTOR TO QUALIFY FOR A BOND/ HOME LOAN

TO WHOM IT MAY CONCERN: I need assistance please and hope someone will be able to help me solve my problem. I have send several emails to FNB and do not receive any response. I app**** for a home loan and was declined due to a risk factor of “3” on my profile at FNB. According to a consultant at FNB, I have these debts below on my name. I can’t even recall any of these accounts. I have listed the accounts below which they have queried. • WESIS ********** 4255 ~ R72,157.81 • *** ~ R16,229.33 • *** ~ R36,858.46 Attached, please find Court orders and Rehabilitation Order from Court. Since 2007, I’m earning a very good salary and my credit conduct is exceptional. I’ve never, ever had any unpaid items. I even offered FNB that I will pay off al three these accounts, even if they are not my, just to get approved for a homeloan, but then they said I can't pay them, because they are closed? I just need FNB to remove the Risk 3 from my profile. If they need me to settle these accounts that were closed, I’ll even do that, if it could make me get the home loan. I am going to lose a house, a home and my family due to something I have no control over.