Poor Service

I am completely disappointed with the service I am getting from a bank that I have been loyal to, for over a decade.

I have app**** for home loan and have been declined instantly due to a judgement that they claim is on my profile and none of the credit bureaus has the judgement currently listed against my name. Upon being declined I have appealed the decision and my appeal was successful, as a result my application was escalated to credit department.

The credit department is skeptical of giving me a credit for I have taken a service which the bank offered to me and that is revolving credit. Mind you, the revolving credit was taken over a year ago, and between when the credit was taken and my current application FNB approved a home loan deal for me without questioning me about what is reflecting on my credit profile.It remains to be know as to why a bank would offer a service to you and later seek for explanation of why did you take that which the bank offered to you?

I don't know how was my appeal successful if credit is going to ask questions that should have been answered before the appeal was successful. There is just no logical sense to it.

My affordability is not in question, my repayment reputation is not in question, what the bank is doing is questioning my loyalty to it, for I have decided to prioritise it with my home loan application. I have not defaulted any of their repayments in the recent past, but for some reason the bank doesn't trust me.

It is absolutely disappointing and frustrating. I don't wish for anyone to be treated this way by a bank you have voluntarily gave your loyalty to for 12 years.