My Spouse and I applied for a second bond on our property to consolidate outstanding smaller debts an finance a bakkie the total repayment would be about less than half our current joint repayments. I were declined reason: insufficient cash flow. Do they really care about you as an individual? Or are you just a number in a system? After about 13 years as one of their clients (apparently Platinum according to sales consultant) an my spouse about 20 years It makes us wonder.
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