Inconsistency and Pathetic Customer Service

2 August 2015 I app**** for a personal loan online. I was provisionally approved for R10 000 only app**** for R6500 to be paid back in 9months.I sent my documents just after I completed my application. This morning I wanted to follow up on the outcome & got a reference number CAS-110598-M3C6S6. I called Premier Banking & a consultant advised me that according to what he sees on the system the loan has been approved and that its due for pay-out but he would rather transfer me to the loan department as they would be able to assist me further & with more detail.He was very professional.His name was Siya. I then got through to a lady called 'Nisha who informed me the loan has been declined due to gross & nett salary.Told her I don't understand because how many systems are they working on as one person just saw its been approved and she sees declined & telling me that its declined due to gross and nett salary doesn't say much. She wasn't very helpful/professional and just told me she will transfer me to a Thulani who dealt with the loan. They transferred me & I got through to someone who informing me the person Thulani is no longer with them & that he must start a new loan application??