FNB HOME LOANS HOW DO WE HELP TO GET YOUR CREDIT HISTORY TO A BAD PLACE .

As far as I know with my limited knowledge about title and bond deeds , when i still owe the bank in this case FNB home loans , the bank is the owner of the title or bond deed until no amount of money is owned to the bank from me, the guy that have to pay the bond that was taken out. I called FNB homeloans last year October 2019 to cancel the bond as what is excepted from me I went to a attorneys with the buyers so that we opened a contract for the transfer to take place , assured that the bonds would be cancelled and the new owners would start paying for their new home before 2020. 2020 January 8th after trying to find out how far the cancellation process that should've been finished is, suddenly I am notified that the bank lost a title/bond deed, and now it is a problem, because the bond deed offices also cannot get hold of a copy of the Pdf file that keeps the copies of the original bond deed . The problem of the Pdf that cannot be opened is going for month number 3 still no way of being opened according to the attorneys appointed by FNB to get the title/bond deed for the cancellation to take place.

BANK SENDS ME E-MAIL STATING THAT I AM IN ARREARS FOR MAKING PAYMENTS . AFTER PROOF WAS SEND TO THEM BY DEBT COUNCILORS WHO I PAYED WHO PAYED THEM ACCORDING TO THE COURT AGREEMENT , THEY ACCUSE ME OF JUST NOT PAYING MY ARREARS AND DUE TO THAT I WILL HAVE A BAD REVIEW ON MY CREDIT . INSTEAD OF TRYING TO GET THE LOST TITLE/BOND DEED THE ARE BULLYING ME , TELLING ME ABOUT MY BAD PAYMENTS AND GOING TO FAR IN ARREARS WHICH I AM TRYING TO SORT OUT ALTHOUGH IT WAS COMMUNICATED TO THEM THAT I AM UNDER DEBT COUNSELING, PROOF THAT PAYMENTS WAS MADE, AND FNB SAYING THEY(FNB) TERMINATED THE AGREEMENT DUE TO PAYMENTS NOT MADE BUY DEBT COUNCILORS BUT PROOF SAYS OTHERWISE. IF A GREAT COMPANY BACKED BY BIGGER INTERNATIONAL FINANCIAL ENTITY MAKES A MISTAKE ,THEY WANT TO BLAME YOU FOR IT ,BUT SAYS THEY DO YOU A FAVOR BY ACCEPTING RESPONSIBILITY . BUT THEY BULLY YOU BY SAYING YOU DID NOT MAKE PAYMENTS AND THE TITLE/BOND DEED THAT IS LOST BY THEM, STAYS IN THE SHADOW OF MY DEBT TO THEM AND . NOW I HAVE TO WAIT LONGER FOR CANCELLATION BECAUSE OF THE PROCESS ACCORDING TO LAW WHEN A BOND IS LOST, NOT BY ME THOUGH. IN JANUARY 2020 I WAS ASSURED BY A EMPLOYEE OF THE BANK THAT I WON'T BE LIABLE FOR ANY ARREARS BUT FEBRUARY 2020 I AM . HOW CONFUSING.