Poor Service from MFC

I write this mail with great disappointment, I am a loyal customer of Nedbank and this frustrates me as I have never missed a car payment, I wanted to purchase a new car yesterday, Nedbank point blank rejects me, today i phone to find out i wait 20min no answer again, Can someone tell me if i am such a high risk as what was said to the dealer then how come my car accounts are never in arrears.

And i want MFC to refund me R100 Airtime for wasting my time and i will be changing my bank account going further.