Unhappy customer

I am very disappointed in the processes. On the 12th April 2018 I app**** online for an advance on my homeloan. The application was closed without any contact with me. I then reapp**** again and the application was closed again as Tshehlagolo claimed that they couldn't get hold of me and Innocentia took over and nothing was done with the 2nd application. I then reapp**** for the 3rd time, and this time I was liaising with Thembeka, all documentations been sent to her. She informed me that my credit record indicates that there's 2 accounts which I am owing and showing arrears. I pulled my credit record and only the Toyota account had an arrear of one months which was from 2016 and was not aware of this. Thembeka advised me that I should pay that arrear, sent her the proof of payment. I followed the advise , paid the arrear and then on the 29th May, I get a call to say my application was declined because of that arrear. I sent through an email and statement from Toyota confirming that the my account is up to date and still gets declined. Like why would standard bank do this to someone, for one I had to find a way to get the money to pay that arrear as hadn't gotten paid and they raised hopes that if I pay the arrear then my application will be approved. Basically my application was declined for a paid up arrear of R2300 whereas the loan amount I needed was R100k for a house worth R650k (evaluated) which Standard Bank loaned for R350k (bond amount). I feel it is wrong what standard bank did and that they manipulated me in this situation. It took almost 2 months for this entire process, time and money was spent only to be let down. Throughout this entire process, 3 applications, same applicant, I have liaised with 3 consultants being Innocentia, Tshehlagolo and Thembeka and the results were demeaning.