Unacceptable Service

I went into a nedbank branch to apply for a personal loan, which i was pre approved for R120 000. I submitted all original documentation that nedbank requires. 2 days later i received a sms notifying me that the loan has been declined. The lady that did my application at the branched advised that the loan was declined on the basis that i was self employed and that i should get a letter from my HR department. I obtained the letter and submitted and my loan was still declined. Payslip bank statements and HR confirmation was sent. What is going on? this is absolutely ridiculous. I am NOT self employed. I have been permanently employed since 2011 so what exactly is the problem?? Please could someone who knows what the are doing urgently assist.