Private banking _A|_ appalling customer service !

App**** for a second bond aka further advance early November 2015. We were notified by our private banker two weeks later that it was declined, reasons provided Bureau Installment to income ratio exceeded & Unpaids on Cheque account and he said we have to wait three months and then re-apply. <br> Completely shocked we scrutinized our bank statements and also extracted our Transunion reports. It was very clear that nothing was wrong. We earn R130K + per month, with more than enough surplus monthly. We also have no unpaids with a clear credit history. <br> I called our banker and explained this to him, also sent him an email the same day to look into it. After 3 days I emailed our banker again with no reply, also no answer when we call. I called the home loans call centre, after endless minutes waitng for the call to be answered I spoke to a lady called Bongile, I explained the scenario, only to be told that they can't assist me, because my application was submitted by our private banker. I requested to speak to a manager to explain the reason for the decline, I was transferred to the complaints department. Again I explained the situation, was given a reference number and was told to wait.