Black child avoid fnb home loans - worse than the slave trade across Indian ocean (for 2000 years)

Two years ago, I missed two mortgage payments of R14,500 each. To ensure this never happened again, I approached FNB (through my attorneys at the time) to arrange for direct deposits. fnb had sanistically prioritised unsecured loans before the mortgage deduction, which contributed to the shortfall.

FNB responded by imposing an adjusted repayment amount of R30,000 per month, an amount I believe was unreasonable. To meet this obligation, I had to leave a stable job of five years in search of a higher income.

In 2025, I paid R30,000 per month for 12 consecutive months as agreed. In December 2025, I further paid in advance to cover instalments up to May 2026. My account has therefore been fully up to date - and in fact ahead - since then.

However, over the past 12 months, FNB has deducted more than R100,000 from my mortgage account for legal fees. These are for attorneys I have never engaged with or spoken to directly. Despite repeated queries, these fees have not been clearly explained.

In July, despite my account being up to date and subject to a payment agreement, FNB proceeded to take the matter to the High Court. The bank’s legal representative appeared unaware of my payment status and existing agreement. The matter was not opposed and was ultimately dismissed by the High Court, with fnb instructed to not bring the matter before the court for the next 6 months at least (from the unnceccesity of the court appearance)

Despite this dismissal, the Randburg Sheriff has repeatedly visited my home with documents threatening auction proceedings, intimidating my family in my absence. This has caused significant distress and feels like harassment from both fnb and the captured sherif (***) - the email says it all.

For context:

My outstanding mortgage balance is under R1.6 million.

In the past year alone, I have paid approximately R450,000 toward the 5 year old bond (all for missing 2 instalments that were payed up by July 2025 before the high court). fnb literally tried to deceive the high court into auctioning a property that was ahead with payments - the high court of the country. What a mockery of the courts.

I am currently ahead on payments due to advance installments made in December 2025.

Despite this, thousands of rand continue to be deducted monthly as unexplained legal fees (this year even - on a morgage that is ahead by almost half a year in payments)

Before making the advance payment in December, I contacted FNB and was assured that my mortgage was up to date. I was informed that there were still pending legal fees, but no clear explanation was provided.

Additionally, for the past three years, FNB has repeatedly marketed “quick sell” or assisted-sale schemes to me. Even during the High Court appearance, their legal representative emphasised that I have significant equity and could sell the property for a good price - he kept repeating that over and over like an obsessive agenda he is getting a good commission from, rather than addressing the payment agreement already in place.

This ongoing situation, particularly the unexplained legal deductions and continued legal pressure despite an up-to-date account, is making property ownership unaffordable and emotionally exhausting (I have not rested or smiled properly for over a year now)

If other property owners, particularly black homeowners, have experienced similar treatment, I invite you to share your experiences. I would also appreciate informed advice on how best to address this matter and hold the bank accountable. Any other race as well, I am mentioning black because of the sinister and predatory record fnb has with black people typically. (search: "fnb accusations against black people" and see for yourself)