Frustration with FNB home loans

I am a young professional banking with FNB since the days of BOB. At present I am a private wealth client. My partner and I have been the supporters of our families for so long and for the first time are able to financially go forward and buy our own home. I app**** for a FNB home loan and was declined. These are the declined reasons: 1.One or more of the applicants has an arrears status on their FirstRand credit card/s. 2. According to the FirstRand Group of companies, one or more of the applicants' accounts has been conducted in an unsatisfactory manner. 3. According to the FirstRand Group of companies, one or more of the applicants' accounts has been conducted in an unsatisfactory manner. I called into the call Centre and the lady tells me about R146 arrears on some account that I don’t even know about !

I do not at current or in the past 2 years have an FNB credit card this was paid up long ago. I am the surety on my parents bond with SA home loans and they moved to debt Counselling so their lapse in payment now impacts my application.

I am frustrated as I have been calling FNB and emailing them for weeks to rectify my issues on my account and then now to get declined on my home loan. I have always touted you as the best bank , but I’m ready to move on to another bank.As young South Africans how are we supposed to move forward when our own banks deny our futures.