Nedbank Loans

I am not happy with the service that I have been getting from Nedbank. Nedbank has failed me as their client and I am been emotionally abused by their staff members who are failing to process and complete my loan application since the 13th of January. On the 13th of January I went to the branch after receiving a call from one of their sales person offering me a loan and a credit card. I then went to the branch at Jabulani Mall to apply for a loan and I was assisted by one of their consultants who was very professional and took me through the process. She completed the loan application and I signed the contract and accepted the debicheck mandate on the same day, then a lady by the name of Pravishnee called me to confirm my bond payment and I explained to her that my spouse is paying for it then she told me that she is processing my application. Days passed and Nedbank never sent any communication to me until the 15th of January where the so called back office people responded to give me a lower offer of which I accepted and signed the contract and also accepted the mandate again. Days passed again and the back office people never even bother to process my application. Every time I call the call center they tell me that the application is sitting with a lady by the name of Pravashnee Pillay and she just parked my application without saying anything. This lady has really made my life a living hell from the day first day of the application as she called me to ask me about my bond that is been paid by my spouse as we have a joint bond. According to her I should be investigated for ***** because I said my bond is paid by my spouse, that is what I was told by one of the call center agents when I called on Saturday for a follow up. I mean the bond is up to date and I fail to understand why is she treating me like this as a client while she has the access to my bank statement that proofs that the bond is not taken from my bank account. I have never experienced this type of treatment in my life and this has really caused me sleepless nights. I have laid a complain with the complains department and there is a guy by the name of Scelo Thejani Ref No: ***7 who is also not prioritizing my case. every time time I send an email he doesn't respond and when I call is either he is not at his desk or he is on another call. The branch has sent several emails to Pravishnee Pillay and her Team leader and they are all not bothered to provide proper answers or resolve my issue. All they do is to play mind games with me. On Friday afternoon around 15:50, they responded by saying I should log in to my app and accept the offer and sign the contract again and also accept the debicheck mandate then the payment will be done. I did all that and no payment was done, when I called in on Saturday I was told that the back office people last worked on my application on Friday at 16:30 by Pravishnee and she made comments about investigation. Funny enough she is doing all this not considering the fact that she is playing with the client's emotions. On Monday the 20th of January I called the call center 5 times in the morning and they kept on telling me my application is sitting with back office. I requested to speak to Scelo who advised me that he is in contact with the back office guys and they promised to resolve the matter urgently and that he will call me around 12 or 13:00 to update me on the progress of the matter, he failed to do that until I called back and requested to speak to him again and I was told that he is busy and he will call me back. He only called me back after 15:00 to tell me that the back office people are playing time games and they are not responding to the complain. I then went straight to the branch at Jabulani and the consultant that was assisting me sent emails out of frustration as she is also annoyed by the back office people who are not providing answers. A response came through to say they have already sent my details for manual payout. I waited till 18:00 and there was no payment that was made. I called the call center at 18:10 pm to find out what is happening with the application. The consultant then told me that the back office has sent the same offer to my banking app again and it is waiting for me to sign the contract and accept the Debicheck mandate. So I don't know why is this lady by the name of Pravishnee and her back office team are treating me like this. I am emotionally drained and I am been treated unfairly as a Nedbank Client. The least she could have done was to provide me with answers or decline the application that to play with my emotions for 7 days. Till today the matter is still not resolved and all I get from the call center is apologies with not resolution. So Pravishnee is playing with my emotions and also sabotaging the branch consultant by giving her false information and hope that my loan application is finalized whilst she knows that she have done nothing to finalize it. I am also going to escalate this matter to the Nedbank CEO Mr Jason Quinn and the COO Mfundo Nkuhlu then the National Financial Ombud Scheme. What Pravishnee and her team did to me is really unfair and I have suffered anxiety because of what they have done to me for the past 7 days. African bank was also willing to offer me a loan last week and I decided to go with my bank so I can build a good relationship with them but they have showed me that I am not valued. I regret not taking an offer with African Bank on time, maybe I was not going to be in this hell situation. Now I don't know where I stand as Nedbank team is playing mind games with me. How can one person sign 3 contracts and accept 3 Debicheck mandate for the same loan offer that is not even paying out. I am going to cancel this loan tomorrow and also close my account after the 25th then move to FNB. At least FNB values their clients and treat them with respect. Been investigated for your own bond is an insult to me as a client. Nedbank back office staff are pathetic and ***********. As we speak now I am still getting calls from Nebank offering me a loan while there is a pending loan that they are failing to pay it out.