Worst service ever

I app**** for a R25 000 loan on Friday 2 May 2025 morning, it was approved the same time while I was on a call. They sent me the quotation and debit order mendate for me to approve on my banking app. I had an option to pay the initiation fee same time or add it on the loan, I opted to pay the initiation fee upfront to speed up the process as I had an emergency and needed to use the money the same day. I emailed them the proof of payment. We are using the same bank (FNB), however every time I call them they say their banking department is waiting for the money to reflect on their account. I mean, how is that even possible since we are using the same bank?

I spoke to the lady by the name of Thandiswa yesterday who promised to email their banking department and ask them to release the money yesterday, today is Sunday and I haven't received a cent from them. I've seen the reviews here on Hello Peter and ALL other websites, their service is terrible. So I don't want to be associated with them anymore. What I need now is for them to refund my initiation fee immediately, cancel my application and DON'T update my credit bareu record with their name because the fault is theirs not mine. If I see Sanlam on my credit record I'll report them to the Ombudsman.