Credit Customer Assist - Advance Account

In 2013 we struggled financially and approached Std bank for assistance and they advised about Credit Customer Assist. We sent all the paperwork and settlement letters as everything was approved. Our payment period for this account is 9 years of which I am still paying and never skipped a payment. We were told that this will not affect my credit rating and that in future If things get better that it will not stop me from applying for credit or anything. 4 Years later and I my salary has increased by over 50%, financially I am in a better position. My family grew and I need to extend on my property. Due to this account I cannot apply for 2nd bond, no re-advance or even access bond. Std Bnk does not even consider my application nothing. For anyone thinking of opening such and account please be very careful. They sell u lies!