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FNB HOME LOAN DEPARTMENT

We have currently got 2 home loans with FNB namely; *** with a flexi bond facility which the bank approved 2007/04/12, which is linked to my husband cheque account profile *** with a flexi bond facility which the bank approved 2012/10/23, which is linked to my cheque account profile. Both these bonds are still ACTIVE. These bonds was approved by the bank, and signed by both myself and my husband, as we are married in community of property, and we are still married. Yet I have discovered that the bank provoked my flexi bond facility, without my signature to do so, and the flexi bond facility on the home loan *** that is linked to my husband cheque account is still available. When I contacted the home loan dept, they requested our home loan insurance policy, which was emailed to them. And then they came back to me saying, that my husband requested them without my approval to remove the flexi bond facility which is lined to my cheque account profile. I have however paid a lot of money in the bond which I cannot access. I see this as ***** on the bank side, as the bank cannot change the terms and conditions when these loans were granted to us. I cannot see how the bank can stop me from utilizing my own money which was paid into the Flexi bond facility. The call centre which is the only communication method is also totally useless, going to the FNB Branch to assist you, is a total waste of time, the tell you directly to contact FNB home loans department, and then you stay on the line for long periods of time, speaking to different people for assistance, which is also very frustrating and ***********. NOTHING CAN BE CHANGED WHICH WAS ORIGINALLY APPORVED BY THE BANK WITHOUT MY SIGNATURE

I need a urgent response to this complain. Regards Lizette Hazel