Fedup of FNB with *********** people

I am really frustrated at FNBs service yet I have been with them all my life. I received an email from Lina Mothapo saying my loan is bin arrears with R1.40 and I shld make a payment. What is bin arrears? Whose fault is it thst it's in arrears. I asked few weeks ago if I qualify on a payment break and they agreed on 2 loans. The 3rd loan i was told is in arrears and the world sort it. Does this mean I don't qualify for a payment break on the 3rd one due to FNBs fault. Why does FNB reply today and have not called me to sort this out. How did it go in arrears. Your agents don't ans my calls n if they do they rather ***********. If you are calling me what number are you calling from as I have asked previously but received no response as most numbers show spam. I'm sick of this as the debit order will go off. U shld take off the arrears amount from your manager that employed the person that made the error. Pls sort this out ASAP.