unpaid debits in my account

Unpaid debits impacting negatively on my home loan application. Have enquired and have been referred to several departments. The only department which has answer is credit . I have app**** for a further loan and the application cannot be processed due to unpaid items in my account and I need clarity as to what happened as there were sufficient fundsin my account.I have learnt that the other departments have no answers as they keep referring the query to Credit department but unfortunately personel working there are not helpful.Even (care)tried to assist but still no results. Anna who is the manager at credit could not explain to Clear water branch consultant when she enquired about this problem and has done nothing to remedy this problem.I am still waiting and this type of service is not what I thought I will experience at fnb.<br> <br> <br> <br>