Declined for no reason

I app**** for a loan and after the computer calculated how much I can get, I acceptedon't the quotation. After a day, I received this message "Unfortunately your Nedbank Personal Loan application was declined. For further information please contact your Sales Consultant. Thank you for choosing Nedbank.". I called the consultant and he told me that it has been refused because I don't have debit orders. I do have clothing accounts and a Vodacom contract and my DSTV. Why being disadvantaged for not having a debit order? Does that mean that Nedbank is not a good bank andetails they only offer loans (debts) to people with debts.