VERY POOR SERVICE RE: PENSION BACKED LOANS DEPT

I am so extremely disappointed with FNB. I did an application for a pension backed home improvement loan in July. Initially they did they did the credit check and they requested proof of additional income. Everything was sent through immediately. Then nothing. Silence for almost 4 months. In the interim I utilised short term funding sources to complete my home improvements as FNB indicated my application is being processed. Now after I've completed the home improvements and I need to pay back all the short term loans I had to enlist the help of a private banker to follow up with FNB. They re-start the entire application and then decline it because I am now over-committed. The reason I am over-committed is because I had to other credit while FNB took their time processing my application. I have banked with them for more than 15 years. I have never missed a single payment on any of my obligations. I have never had a missed debit order and I have a pension of over R1.5M to back my loan of R300K. I must now approach another bank to assist which completely inconveniences me. I have all my products with FNB but it seems they don't value loyal customers at all