FIRST, NEVER BEFORE

I am absolutely dismay at the service received as a "Private Client" nogal! After banking with FNB for 17 years, the last year or so has been extremely frustrating. Apart from not receiving responses to my request, I recently inquired about vehicle finance pre-approval from FNB and was told by the private banker to contact Wesbank. On the 16 October I requested a settlement amount on one of my loan accounts from the loans dept, as my previous request to the private banker went unanswered. I received the letter and on the 17 October settled the account. On the 18 October the credit reflected in the loan account. The amount I had been quoted was more than the outstanding balance on the loan account statement. The loan account showed a credit after the deduction of the outstanding balance. On the 23 October, the loan account was debited with interest of R1104.33. Eventhough, the loan was settled, the debit order when off on the 23 October. I contacted the loans dept this morning, only to be informed that I would have to wait for 5-9 days to have my money refunded as from today the 27 October. The settlement was done on the 17 October, for goodness sake! The consultant said he would have to log for the refund. The question is, "what would have happened if I did not call and waited on FNB badwill to refund me. It means if I had called on the 1 November, I would only have received the money 5-9 days after the call. So, if I had not called and had moved funds to another account, the debit orders would have bounced and I would have been charged for it. Thanks FNB for allowing me to bank with you for the past 17 years. I promised myself to settle what I owe you and hopefully by March 2018, I will be able to settle my accounts with you. I will then exist quietly and take my account elsewhere, I don't want status FNB, when times are good, what the use, I want efficiency and help in bad times. Please do not bother to investigate or whatever else you respond on this platform. Thank you