Wesbank your approval process needs serious work

Short and sweet. Firstly I apply for financing and was approved then got logged out and tried the exact same application online and I'm declined? Unfortunately I make the mistake to ask for help from Wesbank. Their reply ''Your disposable income is then used against your instalment amount for the vehicle you would like to purchase. If the instalment for the vehicle exceeds 45% of the disposable amount available, this deal will decline. '' All fine but...

I do however have to question thier approval algorithms. As the application did not ask for my new income and nett salary. My take home is R59500 with a disposable income of R19000.

The instalment according to the deal your system structured is R6453.

Now if my maths is not failing me 6453 is 33.96% of 19000 and not greater than 45%???? As per your approval protocol.

But then again it’s probably my money and I can spend it where I want to as Wesbank does not value a 12 year relationship (3 cars bought though them) with 0 late or missed payments during 12 years.

Bye Bye Wesbank... though I would save some other people some time.