Thank you for your question and congratulations for successfully completing your debt review. Well done!
Now regarding your struggle to get credit:
The retention period for default listings has now been reduced to 12 months. In the same way, retention periods concerning administration and sequestration orders have been reduced to 5 years.
If you have reached your retention period or information pertaining to the debt review is still listed I would suggest you firstly dispute your credit listing with TransUnion. Here is a link to TransUnion’s page explaining the dispute process. The problem might also be the payment history sections on the credit report. Once a clearance certificate has been issued credit bureaus must expunge from their records any information relevant to the debt review within 5 business day.
Also keep in mind that there are 4 major credit bureaus. TransUnion, Experian, XDS and Compuscan. It can be that some of these other credit bureaus have not yet updated your profile. TransUnion is the best of the lot and some of the others are really slow in updating their systems.
With regards to the bank: It is a fact that they flag consumers on their internal systems. Mostly the flag remains for 5 years. I would suggest that you contact other banks if you wish to get approval for credit.
If you can find out which creditor have listed you negatively you can lodge a complaint with the Credit Ombud. Here is a link to their page explaining the complaint procedure.
Hope this information was helpful.