Home Loan Dept is useless for anything except false accusations.

FNB, I want to hear from you, where did you get information that "According to the FirstRand Group of companies, one or more of the applicants accounts have been conducted in an unsatisfactory manner" when I have an outstanding credit score and credit profile? But I'm sure you already know that my credit score is in excess of 680 with no listings, defaults or judgments. Out of 4 banks that received my home loan application, you were the only one that declined it. If I ever conducted anything in an "unsatisfactory manner" surely I would be a credit lending risk to them to? So, I want you to prove to me where you get this information from. I've contacted all 5 of the listings on your declined letter sent to my bond originator, but now its between you and me. You are to contact me directly regarding this. I want to know where you got this info from. Don't waste my time and humiliate yourself in an attempt to re-evaluate my bond application again - I wouldn't finance a ****** wheelbarrow with you anyway, you are one financial institution I have always avoided like the plague. And anyway, the very favorable bond grants I have received from your competitors, I VERY much doubt you could improve upon. But you have made a statement and an allegation and caused me undue embarrassment, now I want you to back up your claims. I want to see this adverse listing of "conducting accounts in an unsatisfactory manner". Eagerly awaiting your response!