No consent

<p>This has been the most unsettling experience.</p> <p> </p> <p>Applying for housing finance is usually a headache but this was a migraine.</p> <p>As the process normally goes, apply through various financial providers and choose the 1 that best suites the pocket.</p> <p> </p> <p>My bond originator app**** at various financial providers including FNB, we received a quote within 3days approving the bond.</p> <p>All the other financial providers declined our application.</p> <p> </p> <p>I queried this and the response was the same, it was based on unaffordability, I was shocked by this as it did not make any sense.</p> <p>I further queried this and they informed me that based on my credit check I already have a bond on my name and am not able to apply for another.</p> <p> </p> <p>1st of all this is the 1st time I have ever app**** for housing finance, 2nd of all I did not approve or sign off on the offer from FNB but they gladly placed that bond on my name without my consent.</p> <p>So in other words my TransUnion report/ Experian and Koudhou reports all reflects a bond that I haven’t accepted.</p> <p> </p> <p>I feel as though they purposely do this so that you may not receive any other offers but theirs.</p> <p> </p> <p>this has not been sorted as FNB has politely been telling me that this is their process and they dont do pre approvals. I need to do all the running around to have it sorted.</p>