Inefficient billing

Hi, <br> On the 11th day of January 2016 I did a VAF application with Standard Bank (My bank). Later in the day I received a reply from the VAF sales Consultant via email stating that my application has been declined due to overdue balance of R6.00 (FNB smart loans).<br> I have a smart loan with FNB with a debit order payment method for a year which I never defaulted on my payments. At 15:46, I spoke to a consultant at FNB loans department to establish where this shortfall comes from.<br> Upon checking the records, the consultant informed me that there was an error on their system which resulted in this inefficiency and my account is up to date. She promised to escalate the matter to her manager who will only be available on the 12/01/2016 to resolve the matter.<br> I demanded that the matter be resolved latest 10:00 (12/01/2016) and feedback of what happened and way forward be presented to me in writing.<br> My credit record has been damaged due to the above