Unsatisfactory feedback

<p>Hi, regarding the below, the only feedback I got from Direct Axis is that there is nothing wrong on my credit record, the only reason why the application was declined is because there is no offer available for me at this stage, that's the exact words I received so I'm really not sure if it's in the line of the National credit act to decline an application for credit for that reason, </p> <p> </p> <p>Disappointed in the services received<br />by jadrianj 65<br />I'm so disappointed in the service I received today, I app**** for a personal loan on your website, I didn't complete the application because there was a problem but I received a telephonefr number on your website to phone, I phone this number and a gentleman who was very unfriendly from direct axis assisted me, he was unfriendly and rushed everything, he informed me that my application for a personal loan was declined because of information on the credit bureau and I have to apply again in 3 months time, I asked him if he can be more specific, he said I've got accounts in arrears, I told him that I get my credit report everyday and there is no accounts in arrears, no defaults, he said that I should find out from the credit bureau, what I can't understand is that the consultant can't explain why my application was declined, he refer me to the credit bureau, I've got vehicle finance with wesbank, my accounts is not in arrears, I'm not overindebt so how is it possible that my application for a personal loan was declined, also what is the use if I apply online, a credit check gets done but when I phone in another credit check gets done, that is decreasing my credit score; I feel that my application for credit was unfairly assessed and I feel that you should contact the credit bureaux in order for the second enquiry to be removed, will wait to hear from you to rectify what was wronged</p> <p>Share<br />Follow<br />Like<br />Official business reply:<br />Oct 31, 2016<br />8 hours ago<br />Good day</p> <p>Thank you for your concerns highlighted. Our personal loans team have communicated with you to discuss the reasons why the application declined. </p> <p>We trust that you find this in order.</p> <p>Kind regards</p> <p>WesBank</p>