Nedbank suppose to settle my accounts but 1 still shows an outstanding balance!

I app**** for a Nedbank Personal loan on the 28th of April 2016, I went into the Cresta branch with all my do***ents and settlement letter that needed to be settled. On Sa****ay the 30th of April I get an sms saying that my loan is approved and funds should reflect in my account soon. I was under the impression all the time that my accounts would have been paid out the very same day that my loan was approved but it didn't seem to happen that day. My settlement letters where only valid for a number of days and one of my accounts (African bank) now shows that the account was not settled in full. Who is liable for that? My understanding that giving the settlement letter to Nedbank was to ensure that my accounts will be settled. Another issue I have received an sms on the 3rd of May at 2:53pm saying welcome to Nedbank which gives me my balance as well as term and also says that My first instalment is due on the 4th May and will be debited on my salary date and the funds where only paid out on the 3rd May 2016 (at 11:30pm I received my incontact) to myself, how is that possible?