Unfair treatment

i used to have a vehicle finace and credit card account both at nedbank, which were both settled 5 years ago in 2013, i had financial difficulties in the year 2012, which lead to my account to be in arrears, but i corrected my accounts and even settled them in 2013. In 2016 app**** for a home loan, and i was decline due to my bad account, that is already settled, and i contacted the call centre, i was informed that it was not updated on thier side that i should give it 24hours to update, and re-apply, but by time SA Home hass approved me 100% bond, so we dind re-apply for the Home loan at Nedbank.. But now today i apply for personal loan, and im being told about my long bank account that was once in arrears, i magine my shock again...the situation that was supposed to have being corrected in 2016...i have settled the accounts and it has now being 5 years, but i'm still punsh for old things, i'm being told that im on a flag becuase of those account,why are you not taking into consideration my current situation and assess me from there, this is really unfair...i was also given a refernce number by call centre agent *** they are logging a call for me as they dont know which account is declining.(wheather is is the credit card or Vehicle)