Bad services for more then a year

Bad service as a a fnb client Im in need of a car I have been applying since last year June and never been lucky I have been told once a deal it's approved later the Nissan was declined I have income weekly in my account and this is frustrating trying to get a car being told I have no score I got involved with a fnb credit card and VODACOM contract but I am still bring declined I have made several applications even u till last week Thursday and still no andwer if that's the case I will close my account and give bad references to my closest of people we do Alot of transactions via fnb and as a client this is unfair as the vehicle is on hp which means I'd be paying and your loan amount is secured as the vehicle will still be registered on your name until is fully paid being declined for a vehicle of R2500 a month? With 20k income +.