Beyond Ridiculous

I really am so livid at Standard Bank now. I app**** for a home loan on the 25th of November, mostly because I bank with them. I got the approval one month later for an 80% bond whereas other banks responded within days.By the time Standard Bank responded on the 23rd of December, I was uninterested in their offer as my OTP expired after 3 weeks from signing offer. Had to send my ID three times to them, and after reading other complaints, this seems its the usual excuse from the bank. So now, I get a text saying my bond is being registered by attorneys at the instruction of the bank. Where and when did I agree to your offer? Nowhere does it say on the quote that if a person does not respond, it is automatically assumed that they accept. And besides, who would accept an 80% quote as I cannot afford it. Apparently, the call centre lady said I was called by the bank and agreed. Can you listen to the recordings and advise me of this as this is a lie. This is beyond pathetic right now. Now I have to call the attorneys and instruct them to cancel this as the call centre lady said they cannot do anything right now. Why is Standard Bank making their problem mine? I didn't wanna write here