Standard Bank Home Loans display of incompetence 5 years and counting

My Prestige Banker approached Home Loans to start the procedure of substitution of debtor. Despite several emails and several call to clarify that I’m not simply putting my name on the bond instead of my husband’s, but I’m also BUYING my share of the house from my husband and therefore applying for an increased bond on the property, Home Loans still got this absurdly and unacceptably wrong.

First, they come to me to say ‘your substitution has been approved and is now with attorneys’ despite me telling them several times that is not what I’ve asked them to do. Secondly, after explaining for the sixth time what I want them to do, they send someone to evaluate my house so that I can finally apply for a bond for the current value. After the valuation NO ONE calls me to tell me the amount of the valuation. And guess what? The Prestige Banker (not Home Loans) call me again to tell me that my bond has been approved for 1.8 million and it is now with attorneys.

I went absolutely ballistic! NO ONE from Home Loans called me to propose a new bond amount, to agree the sale price of the house with my husband (which is NOT 1.8 million), to confirm the new loan amount (which is NOT 1.8 million), to confirm the length and rate of the loan.

NO ONE FROM HOME LOAN CALLED ME. EVER. NO ONE. Home Loans did not follow due procedure to handle the new bond request and this is absolutely shocking. You are a desperate bunch of *********** peop0le who should be all fired by now. How do you dare decide when and how I’m buying my own house without consulting me? And who makes you think that I will use you as my preferred bond bank? There are 4 other bank out there that can give me a better deal than yours, so I have no obligation to stay with you, for no reason in the world.

Absolutely shameful display of incompetence!