Poor service

I app**** for finance for a vehicle at a dealership.the dealership makes use of a financial institution,I was approved finance the same day.I do not wish to take up this offer.The interest rate I’m being charged is the maximum amount I then opted to buy a vehicle from a private seller,for an amount less than the original deal I was approved,bypassing the exorbitant admin fees and all other charges the financial institution wish to make from me.surely this deal should be passed.I app**** for personal finance on their website,and called the following day,following up on my application,A lady named Pearl told me all my paperwork seems to be in order and a consultant will contact me later in the day.I received no call that day.i called the following day,the private finance offices and spoke to Pearl once again,she told me to hold a consultant will speak to me shortly.after waiting about ten minutes,my call was cancelled.never got back to me.I have a feeling I will not be getting a call back.Could it be because I did not accept the original offer,and that I’m trying to bypass certain financial institutions that are profiteering from the masses? People get over overawed Sometimes...I’m patiently awaiting a consultant to get back to me.