PENSION BACKED HOUSING LOAN

MY HUSBAND AND I APP**** FOR A PENSION BACKED HOUSING LOAN WITH STANDARD BANK WHICH WAS DECLINED BCOZ OF RESULTS FROM EXPERIAN. WE SENT ALL THE RELEVANT SETTLEMENT LETTERS TO STANDARD BANK CONFIRMING THAT THESE ACCOUNTS ARE INDEED SETTLED . WE WERE TOLD TO REAPLY AFTER 3 MONTHS WHICH IS END OF NOVEMBER. HOW DOES ONE REAPLY WHEN YOU CAN'T EVEN GET THROUGH TO EXPERIAN. NO MATTER WHAT TIME OF THE DAY YOU CALL IT SAYS THEY ARE EXPERIENCING HIGH CALL VOLUMES. ALL 4 CONTACT NUMBERS ARE EXPERIENCING HIGH CALL VOLUMES. WE HAVE SENT HUNDREDS OF EMAILS BUT NOT A SINGLE RESPONSE FROM EXPERIAN SO PLEASE TELL US STANDARD BANK HOW ARE WE SUPPOSED TO FIX OUR CREDIT REPORT WHEN WE CAN'T EVEN GET THROUGH TO EXPERIAN. THE PENSION BACKED HOUSING LOAN IS THE ONLY OPTION WE HAVE TO BUY A HOUSE BUT STANDARD BANK ARE NOT HELPING US AT ALL. THEIR STAFF ARE BOTH ARROGANT AND UNHELPFUL. HOW DOES THE BIGGEST BANK IN THE COUNTRY WORK WITH AN UNPROFESSIONAL CREDIT COMPANY LIKE EXPERIAN. MY HUSBANDS REPORT HASN'T BEEN UPDATED IN YEARS. HE HAS AN ACCOUNT THAT IS PRESCRIBED FOR MORE THAN 13 YEARS AND IT STILL SHOWS ON HES ACCOUNT. ACCOUNTS THAT ARE PAID UP AND SETTLED ARE SHOWING AS MISSED PAYMENTS THIS RESULTING IN HES SCORE BEING LOW SO WE REAPLY ONLY TO BE DECLINED ONCE AGAIN. DOES STANDARD BANK DO THIS DELIBERATELY JUST TO DECLINE PEOPLE. THE ESTATE AGENTS HAVE BEEN UNDERSTANDING AND PATIENT BUT CANT GARANTEE THAT THE HOUSE WILL STILL BE THERE BY NOVEMBER/DECEMBER. WE HAVE BEEN TRYING TO GET THIS SORTED OUT FROM THE BEGINNING OF AUGUST AND HAVE NOT BEEN ASSISTED IN ANY WAY. SO WHAT DO WE DO NOW BCOZ THE COMPANY MY HUSBAND WORKS FOR AND SANLAM HES PROVIDENT FUND DEAL WITH STANDARD BANK ONLY PUTTING US IN A VERY BAD POSITION. I CAN HONESTLY SEE WHY A CUSTOMER DROVE INTO A STANDARD BANK BRANCH LAST YEAR IT'S REALLY FRUSTRATING TO GET NO HELP WHATSOVER STANDARD BANK IS THE BIGGEST BANK IN THE COUNTRY BUT GIVE VERY BAD SERVICE DELIVERY. WE NEVER THOUGHT THAT WE WOULD BE SO HUMILIATED AND DEGRADED . WHEN ALL WE WANT IS TO GET FINANCIAL ASSISTANCE FROM MY HUSBANDS OWN MONEY FROM HES PROVIDENT FUND. SANLAM NEED TO LOOK INTO WORKING WITH OTHER BANKS BCOZ THERE ARE HUNDREDS OF COMPLAINTS ABOUT THE STANDARD BANK PENSION BACKED HOUSING LOANS . WE JUST WANT TO BUY A HOUSE WHY IS STANDARD BANK MAKING IT SO DIFFICULT