Shoddy service & zero retrenchment cover

Nedbank App, Nedbank Home Loans & MFC. Firstly the Nedbank app. I hve constant problems with this app. This time buying electricity. For some reason Nedbank has stopped smsing/emailing me a voucher number so I have to go find a computer to download same-monthly. Phoning the call centre to get it is a waste of time. Retrenchment cover on my home loan - well that is a foreign concept for Nedbank, something I've only discovered today. Why was I not told Nedbank does NOT offer this a year ago when I app**** for my home loan? Now I need it I don't have it. Worse still MFC told me today that retrenchment cover is available on motor vehicles - again I was NEVER offered this option when I purchased my Honda. Shoddy service Nedbank.