homeloan which I dont have

I app**** for a loan this week because I want to open my own business and discovered that I have an mortgage loan at Nedbank and that it is in the rear for a R102 400 and it was placed on my name on ITC. My loan was decline and when I went to the bank they first let me call to sort it out and when I asked for the bank manager it is then when I received help. What made me angry is that they just saw it as nothing. My problem is this is still on my name and they did find that I was not responsible for it. Till now they did not give me the house address or the person or branch that are responsible for it but they are fast to put all this on the wrong persons name but slow to fix it. They are destroying life and someone must be held responsible for it.