RISK GRADING 5

I AM A DISSAPOINTED APPLICANT WITH MORETHAN 5 VF PROFILE IN NEDBANKS BOOKS AND A BOND ACCOUNT, WITH ONE VF STILL ACTIVE AND CREDIT CARD, ALL THE ACCOUNTS IN THIS GROUP ARE PAID TO DATE WITHOUT ANY DEFAULTS BUT MY RISK GRADINGH HAS SINCE BEEN HIGHLIGHTED AS A HIS RISK CLIENT AFTER NOT USING THE CUURENT ACCOUNT IN THEIR BOOKS . THAT WAS YEARS BACK AND THE ACCOUNT WAS CLOSED WITHIN THAT MONTH OF BEING IN EXCESS. THEY DID NOT WRITEOFF ANY BALANCE ON THE ACCOUNT BUT I'M STILL CLIESSIFIED AS AN RG5- ALL MY APPLICATION HAS BEEN DECLINED BECAUSE OF THIS STATUS, I KNOW FOR A FACT THAT MOST SOUTH AFRICANS DO NOT UNDERSTAND WHY THEY ARE STILL RG5's AND THE CREDIT ANALYSTS THEY HAVE ARE SO NARROW MINDED ONCE THEY SEE THE RATING THEY JUST DECLINE WITHOUT LOOKING DEEP INTO THE MATTER, AFTER FINDING NOTHING THEY JUST COME UP WITH EXCUSES AND SAY YOUR PROFILE IS NOT IN LINE WITH THEIR LENDING CRITERIA. THE WORSE PART IS THEY ARE SO UNAPPROACHABLE THEY THINK THEY ARE GODS OR SOMETHING. U CANNOT EVEN SPEAK TO THEM AND CHALLENGE THEIR DECISIONS. I SO WISH SOMEONE WITHIN THE GROUP COULD LOOK AT THIS MATTER AND REMOVE THE STATUS ON MY PROIFLE. MY LAST RESORT IS TO SEND MY COMPLAIN DIRECT TO THEIR CEO.