None-disclosure of essential information

I phoned the home loans department to discuss the application for an access to loan to my home loan account, as my account showed R21000 some odd being available.<br> I was asked questions and was informed that the application has been processed and the following day I received the approval for my access bond.<br> I then queried why my account shows no funds as being available, as it takes a few day for the debit order to reflect onto my home loan account, and then the free funds show show.<br> I then phone the home loans department to query what was going on as there are still no free funds showing. I was then informed for the first time that prior to an application to an access bond, there may be showing available funds, but once an application for an access bond has been made, the bank then automatically takes all available funds and applies it to the overall loan. Nobody every discussed with me prior to applying for the access loan, as a false impression was created and I want this entire issue to be resolved as it is not my fault that they had not disclosed this information to me.