POOR SERVICE - NEDBANK HOMELOANS

I did an online application for a home loan. First response within a day was approval but not for the amount that I want, pending a property valuation. The next day another response - declined, the property does not meet the lending criteria. Upon further enquiries I was told that a "Desktop Valuation" was done, meaning someone sat and took a thumb suck at what the property is valued. No one came out and actually did a valuation. What ******* and incompetence is that?? This is how your bank loses clients and continually languish at the bottom of the pile because of this incompetence both built into your systems and from your staff. I have already been approved with the other major providers so I guess you have lost another potential customer.