Disappointed by the Nedbank Home loan devision-application no ***

I app**** for a home loan with nedbank and first the declined my application due to an account that's in arrears and I phoned and asked which account they are talking about as I only have my car and cellphone and they are up to date. They then reopened my case for reassessment and declined it again due to payment behavior and their credit requirements. I earn a good salary and my credit score is good. I have explained to the sales consultant Angie that if they are referring to the car that got ****** which appeared to be in arrears as the bank expected they full amount when the insurer repudiated the claim. I made an arrangement with my lender and I paid off the balance for the ****** car in January this year and the arrears where not due to not paying but due to the banking expecting a payment for the ****** car in full.

I believe the reason for decline are not reasonable and nedbank should notify me of what exactly they want me to improve. I have been their client for almost 6 years now and I would expect them to try and assist their existing clients but no.