MY BANK IS NOT WORKING FOR ME!!

In December 2015 My wife and I fell on hard times, whereby I experienced a major unexpected claw-back on my salary. For the first time in 2 years my Standard Bank Home Loan debit order bounced. <br> <br> As soon as I received my next income I made sure to pay in the deficit owing to my HomeLoan account and get back on track with my payments. Over the two years of having this HomeLoan with Standard Bank there have been times when I have even contributed more into my HomeLoan account.<br> Due to the one failed payment (which was paid back within a few weeks) Standard Bank has denied me a Re-Advance for R100 000 to assist me in consolidating my overdraft/debts to aid me in getting back to a healthy financial situation, as well as relieve some pressure off of my family (my wife is expecting our first born in July).<br> I am extremely disappointed in my bank, who, are supposed to be of support to their clients in improving their financial situations. Who, one would expect, are supposed to assist you when unexpected downfalls occur.<br> Considering I have paid approximately R250 000 off of my bond already, have someone standing surety on the bond and have been loyal to Standard Bank for many years. What now