Bad home loan experience

My experience with the Home Loan has been tremendously bad.

My bond was registered on 24 November and on 26 November I received an SMS from the bank congratulating me and had steps to view the repayment letter document and debit order. I have sent proof on the documents I received.

The repayment letter and debit order mandate shows January 2026 date as the first repayment date. After the registration, no one from the HL department bothered to update the information on the letters which caused an inconvenience on my end.

As I saw the date showing January 2026, I did not arrange to move out from where I AM CURRENTLY STAYING and figured that we will use the month to renovate the place to be ready for when I move in.

FNB decided to debit my account in December due to the 15 day debit order rule which they have, however, did not update any letter which was sent to me. I have been sending emails requesting for the debit order to be reversed and have not received any response.

I have also provided alternative solutions to avoid my debit orders bouncing, but no one is responding to any of my emails. I have been very inconvenienced and cannot afford to pay the Home Loan as well as the rent where I am currently staying. My place is not even ready for occupation, therefore I cannot even move out.