FNB Is the BEST @ *****ing and lying..... WOW!!!

<p>Good Day.</p> <p> </p> <p> </p> <p>1. FNB switch. I currently have a BOND with Standard bank (Primary Bank). I Contacted FNB with the intent of moving my Bond over to FNB . By doing so, I also wanted to inflate my bond to a higher amount (second bond, or new Bond). This amount would be raised from R670K to R820K leaving me with a Extra 150k. This extra amount, I would invest to settle my current debt. I was told that the bank is more than willing to do so. I then had to wait a couple of weeks as I had to cancel my bond with standard bank or else be liable for the cancelation charges of the bond. I decided to wait out the 3 month waiting period that the bank offered with no charge attached to it</p> <p>When the 3 month waiting period lapsed, I contacted the attorney whom FNB appointed to handle the transfers. When I arrived at their premises, I asked the attorney to please explain all the information to me that was presented to me for signing. I was then informed that the amount that I was promised by the consultant from FNB would not be R150k but only R50K the balance of this would be placed in a kind a retainer. This amount would be available only when I have paid a certain percentage of the bond, or when I default on the payments.</p> <p>I went to FNB head office on the N1 and spoke to the same consultant to assisted my. He said he never said that I would get the funds. I asked him to p[lease get the call recording from that day. He then got it and he actually did state that I would. He said I should dispute it.</p> <p>My issue is simple.</p> <p>i. The bank is lying to the consumer. I would like to know if I can take them to court and expose them</p> <p>ii. The bank offers you loans that they know you cannot afford to keep you with them.</p> <p>iii. Upon calling the switch department. Why offer me a interim loan, knowing that I cannot pay that money back to FNB with the amount I would get from the bank.</p> <p>iv. If the amount went up from 670 to 820. The bank wants to make me understand that I would not pay interest on that amount; however the insurance that I would be paying would be to cover a property valued at 820 and not 670. This insurance firm is also recommended to use by the BANK!</p> <p>v. My life cover would also have to increase, yet again. Done by the bank.</p> <p>vi. Service and admin fees would also be charged by the bank, calculated from the overall loan amount.</p> <p>vii. Offering the customer check accounts, which has a payment of R200 pm, knowing full well that if the customer doesn’t move, the customer would still be liable to pay the monthly service fee on that account.</p> <p>After all this has happened, I decided rather to go to my current bank (Standard bank) and to apply for personal loan. I would then take funds from there to close my FNB check, credit card. I paid and closed this accounts at FNB Industria. I am still being debited each month for this account (credit card). I also called the bank to close it. Which I was informed that it was closed. I am still being charged to this hour.</p> <p>The bank is keeping this card deliberately open after I have stated I want it closed. I strongly believe that the bank is doing this With the intent that I would and use the credit card again. If I should contact them and request to retrieve the call information made, I am confident that I would be right once again regarding my wishes in regards to closing the Credit Card, proving that I asked them to close it. I am tired of FNB and its sneaky ways to make the consumers even more debt dependent on them, with us going through these hard financial times in our country.</p> <p> </p> <p>So I am pleading to you. Is there any way I can take them to court. What would I require to do so? I do not care if it takes years, but enough is enough, someone needs to take a stand. And I am tired of the rich making the poor poorer.</p>