FNB Personal Loan interest

I took out a personal loan with FNB in June 2023 at 29.25% interest. About 60% of the instalment amount was being deducted for the interest. When I queried it, I was advised interest is calculated daily on the available balance and added/compounded monthly in arrears. After monitoring the deductions i noted that the deductions for interest were increasing every month despite the capital amount decreasing. I was advised to look at my contract. However I was never given a copy of it. I have requested it and still did not receive it. I was on the phone for almost an hour being transferred from department to department and no one could assist with the deductions for the interest. I was on the secure chat for a further 2 hours and was eventually told that the system calculates my interest and it cannot be recalculated.

This is now the third instant that FNB has refuses to assist with a query or even provide an adequate response to a complaint.

I have laid a complaint with the ombudsman and will be moving all my accounts to a more competent institution. Service is pathetic esp when considering the high bank charges.