Declined 2nd year Student Loan after 3 months

My son's student loan application was made in November 2014. Branch staff could not assist when online application refused to accept his existing cell number and email. Consultants took about 3 visits to branch to identify they needed to do a manual application. Application was made and handed in to consultant. On January 12 after physically querying inside the branch, I (surety) received a generic sms to say- app declined due to negative info on bureau. The following week I called the c/centre- who informed me that no such student loan application existed on ur system. I again went into Westgate, s/manager informed me that app was pending, was escalated to central credit in KZN, I was advised only when I queried that application was still being worked on. On Feb 11, more than a month later app was declined due to me (surety) being overexposed. I challenge your service and product. Your product is saying to 2nd and 3 yr students, we don't care how you finish your degree. surely repeat student loans, should be scored differently. your scoring is rigid, you refuse to lower the amount to accommodate my sons education. Poor service and failed product. social responsibility is lacking.