I called for advice with regard to my banking app sending OTP numbers & messages to my lost phone whenever I'm trying to apply for a personal loan

I called for advice with regard to my banking app sending OTP numbers & messages to my lost phone whenever I'm trying to apply for a personal loan. A kind gentleman by the name of Tumelo Molele assisted me by drinking the app from the lost phone & advised me to visit the nearest kiosk on the retail shops to re register the app on my new phone. Concerning the loan application he then told me that my loan will not be granted because of a failed application in September last year. This is disconcerting because of an old record check a year ago !!! Now things are different. I was not working then & I started working in October last year. To date my credit worthiness and record has greatly improved and I can surely qualify with my regular salary & business account records.