FNB "How can we help you" .... THINK AGAIN

Case: I have app**** for a personal loan some time ago which was approved and approval next day reversed.

The FNB personal loan would have been charge with 15.5% pa at current rate

Like a miracle, I was deferred to a Loan Shark - Direct Axix - interest charged 27% As I am self employed, I felt it to be responsible to secure repayment with a "Personal Protection Plan" - which is undersigned by HOLLARD

By accident, I did find out that DIRECT AXIS is OWNED by FNB !!!!! what business ethics are these ????? I have had my account with FNB for 30 years !!!

To top this all - FNB my bank in JHB - Direct Axis is in Cape Town - and the personal insurance company in Durban (and they can not receive e-mail or faxes)

I have had 3 accounts with FNB two business and one private . All these accounts are now polluted and I was forced to close both business accounts. One business account is holding an incorrect ID number, the other business account send statements to some body else but my business. I can supply documents to this effect.

All I can get from FNB is reference numbers, phone calls and "noreply e-mails"

I have requested a copy of the alleged ID number - no reply

My private account is now also polluted and I am afraid to use it. One of my co workers is in the same position - having a loan from a loan shark SA Loans which appears also to be OWNED by FNB as they simply take his salary out of his FNB account

NOTE: it is impossible to discuss this matter with any body in authority at FNB

Who can "help me with this"? NCR, Ombudsman ... any advise is welcom