2021 as an FNB client

My relationship with FNB has always had ups and downs, 2021 however has been a downward spiral.

It started in Jan, I made a deposit in error to an account, I completed forms and sent them. Few follow ups via app and email, no response. R25k gone.

Fast forward all assistance or lack thereof from private bankers… I got divorced, and completed removal of codebtor. Bond was aproved in principle but due to renovations i had done the process halted. So I’m still bonded with a person I am divorced from who is not happy with this. FNB hasn’t stopped to even think i am paying them on time and in full all along! but what can we do.

Now heres my confusion, i made excess payment to the same bond, and to the credit card. I got stranded last week and wanted to withdraw from either - I couldn’t. For excess bond i have to fill in a form, for credit card i have to have a physical credit card to transfer from the account- virtual card doesn’t count. My pleas to call centre fell on deaf ears!

In a state of panic i apply for a personal loan which gets approved in principle provides I upload docs. I don’t upload any, but to my suprise money is made available and charged initiation fee and all. So redtapes and in-principle approvals only apply to funds I don’t have topay initiation fee for?

Could someone from each of these departments please attend to this. I want the loan and initiation fee reversed and i want access to my flexi bond and credit funds Most importantly i need feedback on removal of a codebtor!