Terrible Service

My application for home loan was declined yesterday saying I cannot afford the house I am applying for. They are saying transactions on my statement shows that I cannot afford. The transactions referred to is the R20 000.00 that I am transferring to my savings pocket every month same which still under Nedbank. According to Nedbank that is a debit order. I am currently paying a rental of R11 000.00 every month and obviously this will contribute to my rent but this was counted as an expense by Nedbank. I am so frustrated by the service I am getting from this bank!!!