Over Exposure to Credit and cross selling

Nearly three years after taking out a bond with Standard Bank, my husband and I are still reeling in the aftermath of being OVER EXPOSED to too much credit. After being told by Juliana that we didn't qualify for 100% loan as we did not bank with Standard Bank, we were offered two credit cards each to the value of nearly R39000. We TRUSTED that as a financial institution the employees would be bound by a code of ethics and wouldn't over expose us for their gain. It has now come to my attention that you can get 100% loans even if you do not bank with Standard Bank, yet we now have a bond and two credit cards which is leading us into financial ruin! It seems that my husband and I were conned into overexposure to credit just so that ONE EMPLOYEE could cross sell us credit cards and make HER TARGET. It has also come to my attention that Juliana was demoted prior to helping us with our home loan... so I am lived that someone like this was allowed to process an important lifetime commitment such as dealing with a bond. We were taken ADVANTAGE of by the very institution we TRUSTED to help us, and are now paying the price for that.