*****ed FNB

In June I received a call from FNB about a revolving loan which the guy said I was pre-approved for. It sounded like a really good option... and he was a salesman after all. After a very lengthy chat on the phone I had one question to ask him.."would I need to pay any fee for this service if I did not use the loan?", as the loan gets added as a dormant account. He assured me that I would not need to pay anything as long as it was in this dormant account and that it wasn't using it.

Today I just happened to notice that on top of the initial fee(which I was aware of) there was another added fee which was charged in the last 7 days... I called there help desk and was then told that there is a monthly charge even if I dont make use of the service! How?? This is not what the salesman told me ...and that every month it would accumulate even if i never use the loan.. IS THIS EVEN LEGAL? I was also informed that the account is now handed over to collections! I'm sure this salesman is *****ing others as well.

Highly disappointed in FNB and their sales team