FNB GOLD CREDIT CARD and Revolving Loan

Hi My name is Rynhard.

My bad experience started last year November when i landed in S.A from China after being locked up and kept in house arrest with no contact means of contact to S.A except for wechat.

This complaint is around the FNB Gold credit Card that could be paid as i was locked up, my parents went to FNB Cradlestone to inform them of my situation. I was jobless and ****med. Unpaid for 8 months. As soon as i got back to S.A i got emails that my account was handed over to Legal. To my surprise... I started working this year 2019 in March only and made my first payment on the account in june. Its now November and its paid off. My whole experience with this was terrible they "FNB LEGAL" kept on phoning me making threats that a summons will be sent to my place of work if i font make payments.... This after i started making payments. The same is happening with my Revolving Loan FNB deducts the money and i keep getting harrassed by the legal department to pay the account. This after i paid off 20 thousand in 4 months on my FNB Gold Credit card. And got the revolving loan down from 16 Thousand to 10 Thousand. But im not paying according to the legal department.

Now I've noticed that the Gold Credit comes with debt protection automatically on when applying for one... So my question to FNB is why hand my account over to Legal if there is Debt protection on the account and an arrangement was made at Cradlestone FNB explaining that i was trapped in another country without work and wont be able to pay the CC until i got back in the Country and found a job. Ive been in Sandton FNB trying to sort out the arrangements with FNB legal in regards to the Revolving loan Spoke to a Patricia on the FNB phone the agent dialed the number for me and still the revolving loan is at Legal and they keep on Harrasing me.