A joint bond that is totally not joint

I am extremely disappointed by FNB Bonds, the lady by the name of Nompumelelo has really messed up and does not want to take accountability as well as the seniors there. A joint bond that is not really joint, one party could change the debit order date without any notification or my consent and a few days later I am notified that account is in arrears. Now I am being called from collections yet I have requested to speak to a senior to this date I have not being called or engaged. Her excuse for not calling or notifying me to sign or give consent that they only have my email address yet I bank with FNB besides the bond account.