Poor service

Poor Service

i was informed that i can receive a top up on my housing loan after nine months of payment . i app**** for a to up on the 07th of February 2024 after my application i called to follwe up after two days after not hearing anything. i call this number *** the call was answered by Xholani at first he transferred me to gift ddint get through . i called again and get hold of gift and then he told me I need to submit Quotation of which i send it through. the following week I called again for follow up the phone was answered by Mmabatho she said my application is on the last stage finance will call me in two days excited and then relax. I call again for follow-up again. send through to Tolerate and she said I should reapply next week Monday at the 9th month payment does not appear on the statement. . that was now two weeks going on to three weeks. I send her and email for reapplication as i agreed. replayed on my email and said that my application has declined. i asked to call me to explain what would be the reason. she never came back to me . i called again and she said i should try next month .... I don't mind being declined all i need understand why should it take such a long time only to be declined. why take a client back and forth unnecessarily so.