FNB - Home Loan

My wife and i initially opened a joint bond when we were married over 23 years ago. We received joint statements until 2015 when her name was left on the statement. The reason for the joint bond was that neither of us was in a position to own the bond, and to make the full payment. Subsequently, with current regulations, my wife has been left as the sole owner of the bond - an amount that falls outside the FICA requirements. In addition, when asked if i could extend the bond, was told that i would need to `buy in' at a cost of R75000, and register a new bond. My name was on the original document - how is this true. In addition, our bond amount has not changed at all over the past 2 years - with the outstanding amount not changing despite us keeping up to date with the R15 000 monthly payment. Despite our efforts to get clarity on th ematter, we get passed from one telephone operator to another - with no clarity or solution