NEDBANK - LEGAL DEPARTMENT WHAT A DISASTER!!!

I app**** for a personal loan at Nedbank... the very pleasant lady who helped me took my ID number, and the system allowed her to go on... till the end, all of a sudden it was not approved.... 40 minutes later... I do not want to get rude to her ... I just hung up... received a mail from Nedbank about my application that was not approved... I have to get in touch with Transunion and Experian...I decided to phone them because I want to know why I am been declined... not Transunion or Experian could any reason that is wrong ... all my expenses have been paid and my Clearscore is 650 ...Phone Nedbank has again been put through to the Legal department .... what a disaster .... the guy there is so useless he could not help me... I sent an email and till today no response... Are there any people at Nedbank who can help me and NOT A CALL CENTRE BECAUSE THEY CAN NOT ANSWER QUESTIONS!!!