FNB Personal Loans Settlement Nightmare

I recently, 18-11-2020 to be exact, had my FNB Personal Loan settled by an external financial institution.

The external financial institution failed to use the loan account number as a payment reference, which I noticed on requesting the proof of payment from them.

I then logged a request to FNB Personal Loans team on 02-12-2020 via their website; on 09-12-2020 they finally emailed me back and requested the proof of payment ( there is no option to attach a file on the site or I would have added it from the get go )

While waiting for the above mentioned response, I called FNB Personal Loans on the 05-12-2020 and spoke to an agent Brendan Masusku who ask me to email the proof of payment to his FNB address, while I was on the line. He then apparently escalated it to the Finance Team, put me on hold and confirmed it is in their suspense account, and said allocation from the suspense account takes 4-7 working days. I was not pleased but one must accept their procedures I suppose. I was told I must monitor the account on m APP for when it has been allocated. the 7th working day was 11-12-2020.

On 12-12-2020, I checked if it was allocated, it was not.

I called in and spoke to Dudu; who then said allocation takes 6-9 working days and Brendan was mistaken on the amount of days IRO allocation. Today is Day 9, the funds have still not been allocated.

So my question to FNB Personal Loans was then and still is, • who is earning interest on the funds sitting in the Suspense Account? • how many more days will this take to be allocated? • will they be debiting me in December, or did they put a block on the debit after I provided proof of settlement? OR • will they sweep my bank account in December for their early debit orders? • will I have to fight about the refund after they debit me for December when the account was settled technically once I contacted them and provided proof of payment?