Poor service and lack of information

Not only are the online application services not working, so I had to wait for a sales agent to get in touch with me instead of being able to quickly and efficiently complete the application process on my own, but I was finally approved on 9 November and still have not received payment. Despite the fact that I was only informed of the payment "delay" after I accepted the debit mandate, I am told that the system is a week behind in payments. That is not a delay, that is severe backlog, and the fact that you are allowing customers to take out loans which are usually for unforseen or emergency expenses, when you clearly have a problem and cannot handle the capacity is absolutely appalling. You are misrepresenting the issue and despite your vague messages and inability to provide timelines, you are not merely inconveniencing your clients, but affecting their livelihoods. I have someone who is in desperate need of medical attention and despite multiple communications with your customer care team, I still receive a "We don't know" response. DO NOT OFFER A SERVICE THAT YOU CANNOT PROVIDE.