FNB abolutely destructive

For a service fee of 5.75 (55 in total) FNB has reported me as 9 months in arrears to the Credit Bureaus on a paid up Mortgage, never once even giving me a courtesy call to inform me of this. I then took out a personal loan at the highest rate (because of the arrears, and no other institution would look at an application) with them for a solar project, and accidentally paid 90% back into the loan. My ‘Private Wealth’ personal banker is telling me that it is impossible to reverse the transaction (from FNB to FNB). She has been nothing but obstructive with no intention of helping. I have payments to suppliers/institutions outstanding, which is worsening my Credit Record! Just wondering, would FNB have taken the next step (after 9 months in arrears banks take legal action) and repossessed my property for 55 rand?