Unfair Assessment

<p>Hi, On the 14/11/2016 a consultant by the name of Nozipho twala phoned me; informing me that my application for a personal loan was declined because of the following: the fact that I don't have accounts with FNB(they can't see how I conduct/pay my FNB accounts); also the information that was received from the credit bureau; the system made an internal score taking the above into consideration and the application was declined because of that; so I asked her the fact that I don't have accounts with FNB contribute to my application being declined and I wanted to know what is the information that they received from the credit bureau that declined my application for credit; she couldn't explain it to me; she just said that the system took the above into consideration and declined my application for a personal loan, I asked her if she can tell me if the information they received from the credit bureau was negative information; but she couldn't confirm that; she informed me to contact the credit bureau in order to find out what is wrong; I told her that I get my credit report daily; I informed her that there is no defaults, no negative information; no judgments on my credit record so what was the information that was received from the credit bureau but she couldn't explained it to me; I asked her if I can speak to her manager because I feel that my application for credit was unfairly declined; I also informed her that according to the National Credit Act; if a consumer's application for credit gets declined; a valid reason is supposed to be given to the consumer and it should be in writing and that was not done;she informed me that she will get her supervisor to contact me back; that was on the 14/11/2016 and up until today no one has contact me; I can't believe that your personal loan department can operate the way they do; they have clearly treated me unfairly and no manager from that department is willing to sort out this problem; they clearly don't care and I won't beg them to do right; if they do it with me; they are surely doing it with another 100 or 1000 customers that doesn't care to complain, that is how FNB lose customers, you don't life up to your statements/committments; also I can't believe that I was considering changing my salary to FNB</p>