Lying Service Desk

Worst bank ever, I have been with them for the last 10 years and I think I had the opportunity to speak to my Private Banker once. Yesterday I app**** for a loan and had to deal with a random call centre agent again, Ayanda from Private Banking, she decided it will be beneficial to change my application from an online pre-approved loan, to a full application and now I have to sign contracts and basicly go through a vetting process, only to end up getting it for 0.5% worse interest rate than I got on the app, then she tells me I can`t change it back because she already got it approved, but not to worry I don`t have to sign a contract as it was pre-approved and applying on the app is good enough. I will have the funds this morning. Now I phone in this morning as the funds are not available and to my suprise so is Ayanda. After screaming and shouting at Peter from Loans, he tells me that I have to complete the vetting forms again and then only will he send me the contract and then he tells me that she wasn`t allowed to tell me that I don`t need to sign a contract. This is extremely bad service.