Deeply Concerned About Legal Threats Despite Ongoing Payments

I am extremely disappointed and confused by recent communication from FNB Home Loans. While I acknowledge that my home loan is a bit behind, I have been making ongoing payments towards the bond.

Now, without any warning or opportunity to discuss the situation, I have received cold, automated emails from "no-reply" accounts stating that legal action has been instructed. I find this unacceptable — there has been no personal engagement, no effort to resolve the matter, and no avenue provided for me to clarify or negotiate.

Threatening legal action and credit bureau damage without first engaging with the customer is not the kind of service or respect I expect from a bank I’ve trusted with my home.

I am willing to work on a payment plan or catch-up strategy, but communication must go both ways. I urgently request that someone from FNB Home Loans contacts me directly so we can address this matter reasonably before legal action proceeds unnecessarily.