FNB Personal Loans - Payment Arrangement department

FNB Personal Loans - payment arrangements department is absolutely the most terrible service I have received. I have been on hold for 3 hours a time. The dept. is only available via telecom but they never do pick up calls & if you lucky enough to get an agent on the phone.. they are vague & can't assist. I kept getting told I would be called back & receive an sms but I am still waiting after a 2 weeks. A simple thing as to calculate & restructure my loan instalmentsis unresolved. I should at least receive some feedback..after the hundreds of times I have queried regarding the restructuring of my loan. The agent also provided me with the incorrect email address to contact this dept. to query personally. The insurance charges on this loan is extremely high & so not worth it. Rather apply for a loan with Direct Axis. The overall service is very poor & I would like to give 0 out of 5 stars.