Blocked without notice!!! No Salary

I have received a collections letter from FNB on the 30th October 2025. I responded to this letter on the 5th of November 2025 stating that my business is struggling and that I need some assistance from FNB with regards to credit agreements just to clear the air and allow me to meet my credit obligations. It started of great as I have received immediate feedback on the 5th scheduling a meeting for a private chat around the matter the following day.

The outcome of the discussion on the 6th of November was that they can't do anything, they don't negotiate contract terms nor interest rates and the only thing they can offer is to increase the account pricing to allow for more transactions which supposedly will cost me less in the long run.

I then had a bit of delay and responded with a message on the same email trail asking to go ahead with the pricing increase and to request a reduction on my overdraft facility so that I can move it into a controllable manageable state over time. Receiving no feedback on the matter forced me to phone in on the 12th of December 2025. I phone the FNB Business Credit Card Division ***) and they advised that they will only be able to assist with my Credit Card if a reduction on the overdraft facility was introduced. I then phoned the FNB Business Overdraft Division ***) which turned out to be General FNB Business which then logged a query Ref No: RG 25**19***43. I then waited. Phoned in again on the 19th of December 2025 and got advised that there is still no feedback on the matter and that I need to wait. So I waited.....

AND THEN THE FUN STARTED. 1 Jan 2026, got the rude awakening that my Business Cheque Account was handed over to collections, the same people I have a paper trail with since November 2025 and that my Cheque Account was now Blocked WITHOUT NOTICE. This account contains my salary, I have access to not a single cent on the 1st day of the new year because FNB decided to block an account for which we are in discussion on email as well as with an allocated reference number, to which I have no resolution from FNB, but a block is acceptable.

Depriving me of basic live, I have now been shifted from pillar to post, every call center agent telling me something different, sending me back to where I came from multiple times, every time thanking me for being patient and doing the online authentication for them, every time pushing me to someone else, whilst not one of them acknowledging the fact that I'm stressed to the bone, not knowing how I'm going to feed my kids. It is now the 5th of Jan 2026, going without supporting funds for 5 days, asking family and friends to assist, trying to keep my dignity in tack, begging, checking in with FNB twice daily... Yet, the person responsible for the block (K*b*l*.M@t5b0g3) is nowhere to be seen. Not a single phone call or an email response.

And I get you FNB, it's this time of the year, everyone is on leave, public holiday all over, and it has officially only been two business days since the 1st of Jan 2026, but 5 days in my life without income is a very long time. If you can't assist the process, then don't limit people to these radicicolous restrictions this time of year, especially the ones that are still out there fighting, talking to your staff on email, trying to get clarity and resolution through reference number follow ups and paying you your service fees. Note: Your service fees, got conveniently deducted by the way.

Cudos to you and a Not so Happy New Year