Poor service and customer care

Hi, I'd like to make a complaint and ask a question.

Firstly, I settled 2 loans end of March over 26k. The salary that reflects in my cheque account monthly is 4500. If you notice my easy account towards month end you will see that anything from 3 ********** will be deposited and eft to other accounts. That is an additional salary that is paid in cash to me. In general the salary I earn is not 4500 but in fact R8000pm.

Now because i settled the loans, a large amount it caused me a little bit of hassle this month and probably next month aswell. I took a temp loan, but also tried to get another personal loan as the other two were settled. I initially requested simply 6k. Small amount. Kept getting denied and denied. I was forced to take up a short term loan with wonga to pay a few outstanding accounts. At this current moment I have absolutely no money until month end payday. I will be settling the temp loan and wonga loan hopefully on Monday latest. Then my account will cleared off debt free.

Would I then be able to take out another personal loan of between 10 and 15k once the other two short loans are cleared. It is an annoying situation to be in, I keep trying to get a personal loan via cellphone banking but always denied. I did however past 11pm last night do so on my app, message in my inbox was loan for R9000 was successful and is on its way. I followed up this morning and was told it has been declined. My irritation is that while I have been waiting for the money because my app says it is on its way, all morning I had to halt what I was doing just to wait and see why no money is in. Now I have no problem if it was unsuccessful, what is incredibly annoying is that no one told me this morning via email or SMS that it was declined, why send someone messages on the app saying successful on its way when in fact it is not and I actually only received that unsuccessful sms this evening!

I am very unimpressed with fnb, I always pay on time and make use of the bank. I would never take out a loan if I knew I could not afford to pay it on time. But needless to say, I will settle the wonga and fnb temp loan within the next few days, it would be wonderful if then after the option of a personal loan opens up so I may take 10 or 15k out as emergency cash until month end. If the service is provided and this email not responded to in swift time, I will be switching banks next month and possibly removing our company accounts with fnb.