FNB do not help clients who are in need.

I wish I could give a zero rating. I am trying to make payment arrangements for my revolving credit. I have been sent pillar to post because I cannot get through to the revolving collections department. Then the agents get upset with me because I come through to personal loans all the time. You literally go in circles. I don't know how many times I get to the automated system, I ask the question then the system sends me a guide how to do scheduled payments on my app. Then I ask the question again, I get put through to the options which take me to the agent, who then sends me to the automated system. I am struggling, I get a reduced salary, now I must deal with this circus of a bank. I go to the branch and none of those people can help, instead you need to call in. Why are there branches? Absolute nonsense. Then they are first to send lawyers letters.