Approved VAF but declined Personal loan

Nedabnk approved me In December for VAF for 430k. Today when I app**** for a mere 80k on a ersonal loan it declines me saying my VAF is in arrears yet they debited my account yesterday and was informed of bank change long before the debit order was going off. How on earth do you decline 80k on a personal loan but approve 430k less than a month ago on VAF. Ridiculous , To think I was actually going to switch to Nedbank. Never.