Pathetic Service from FNB time and again

<p>After being a loyal client of FNB for 26 years (at current age of 35), I am extremely disappointed with the decision reached by FNB as far as my homeloan application is concerned; even more disappointed that FNB is not willing to hear me out and review my application after such an excellent standing with them.</p> <p>I app**** for a homeloan and FNB declined it due to me having been listed on ITC for R1,900. I have called over and again to find out what the amount is for and I have reached a dead-end with the person/company that has listed me.<br />All my accounts are with FNB: long-term/short-term investments, Insurance, Homeloan, vehicle finance, credit card, cheque account, cellphone contract, even my Will is with FNB. <br />I have no relationship with other banks, yet Standard bank approved the same application for a homeloan.<br />I always try to prepay my accounts in order to curb high interest rates:</p> <p>- my vehicle finance was prepaid 2.5 years in advance of the due date. <br />- due to high interest rates, I closed all my savings and investments to save the money in my homeloan account<br />- I have been prepaying my bond accounts by a few thousands&nbsp;on a monthly basis.</p> <p>- worst: FNB ISSUED ME WITH A PLATINUM CREDIT CARD (THAT I DID NOT APPLY FOR) AT THE TIME WHEN THEY DECLINED MY HOMELOAN APPLICATION. THIS MEANS THAT THEY WOULD RATHER FORCE ME TO HAVE DEBT I DONT WANT AND NON BENEFICIAL TO ME, AND DECLINE TO GIVE ME ACCESS TO INVESTMENTS THAT WOULD BENEFIT ME IN THE LONG RUN???</p> <p>If you do the calculation: <br />to date, I was supposed to have paid: R31, 000; but instead I have paid 50% of my bond, but I dont QUALIFY to withdraw funds.<br />It's ok (though unacceptable) for FNB to have declined my application for a homeloan (because of a stupid R1,900 and disregarding the relationship with them as well as my payment profile); but it is truly INHUMAN&nbsp;for FNB to decline my application to withdraw R80,000 from my savings because I am listed for R1,900 that I cannot even find the details for.<br />I have never had accounts with retailers and pay cash for all my bills, and even if FNB&nbsp;would help me with the details of who is this person/company that I owe, I would pay it in a heartbeat.</p>