Loan declined without feedback

I app**** for a top up on my personal loan. I did this online, and I was given an offer, my instalment with the top up would have made my current instalment about R100 more. I took my documents into the branch and the consultant scanned it in. When I left I immediately got a notification to to say it is declined. I called the consultant and was told it's due to affordability. Nobody called me to ask my about my expenses, so I take it they worked off my ITC, which is incorrect as it contains my bond which my husband pays as it is joint, so both installments pull through as well as my car insurance, it pulls through twice but I canceled with telesure and I took a new insurance. So both is reflecting. Is there anyone that can assist in reviewing this application for me? I find it strange that it got declined immediately without even looking at it