Frustrated with FNB

On the 17th of December 2024, I app**** for FNB PENSION BACKED LOAN to settle my standard bank home loan and it was approved on 29 January 2025 2:32PM ref number *** for R*** with the credit life policy of R1 370.25 per month and the quotation was provided on email for me to sign. I enquired on email to Nomakhaya Runeli if I can remove the credit life and use my own and I asked why the loan is for 240 months and I app**** for 180 months and I requested the updated quotation. On the 30th of January 11:19 I received the email straight from Nomakhaya Runeli email with the new quotation of R151 500.00. I emailed Nomakhanya for clarity with no response. Since the application process started, I am not able to get through to her via the phone even if I ask her to call me on email, she doesn’t not call me. On the 26 of November 2024, I received bond pre-approval of R639 186.33 at 11.25% interest for 20 years with no deposit with other entity, why FNB is only giving me R151 500 only I qualify for more because this is PENSION BACKED LOAN and my credit score is at 691. I am very frustrated with FNB because I’m their customer for a very long time, but they don’t support me in any way. In OCT 2020 I app**** for vehicle finance and FNB did not provide a competitive quote and I ended buying the car using ABSA by the way my ABSA vehicle finance was paid up 2 years 5 months in advanced so you know FNB, my car is paid up, same thing happened with my home loan FNB failed again and I had to take the BOND with Standard Bank. Now FNB is failing for the 3rd time.