dissapointing service

My husband and i went into the above mentioned branch on Saturday the 04/04/2015, spoke to a sales person, they evaluated our car for trade in, drafted an offer to purchase which i signed and gave us an application form to fill in and send in on Tuesday and where told we'd have a response by the end of the day on Tuesday. I app**** for the vehicle at on the 07/04/2015 and I submitted all the documents which was needed. Nobody bothered to get back to me. I had to email the sales person to which the response was all the banks have declined my application due to affordability and that i am more than welcome to call the finance lady if i had any questions. My first problem is how can i get declined due to affordability when both my husband and i combined have more than enough disposable income. Secondly, i have access to my credit report and according to this my application was only submitted to MFC and Wesbank. How can i get told that ALL the banks have declined my application when it was only submitted to 2 Credit providers. Thirdly, if i cannot get a hold of the lady in finance, how can i ask the questions i need answered. The fact that the receptionist is rude does not help.