Poor service

Between yesterday and today i have spent over 1 hour holding on for someone to either answer my call or being transferred from on agent to the next. I have tons of patients and i truly understand the limitations in which we are operating but i am really disappointed for two reasons.

1. I am a Liberty staff member and qualify for staff rates. I have at least needed to call in or get someone to adjust my VAF interest rates every 6 months and again it seems to have been adjusted back to customer rates.

2. My prestige banker seems to have left the organization and i have not been advised who my new prestige banker is, so much for even having this facility available.

And then i have been trying to apply for a personal loan to replace the current one i have with direct axis but my application seems to come back declined with no explanation of this decision? Especially since my affordability isn't an issue and my credit rating is in good condition.