FNB = RED FLAGS = POSSIBLE BLACKLISTING

As Per FNB confirming- My Loan Repayment Debit Order was meant to go off on the last day of every month. Please see the below timeline of the transactions: Loan was taken out in September 2022:

25 October 2022 - 1st Debit Order Attempt 25 November 2022 - 2nd Debit Order Attempt 02 December 2022 - seeing that the money was not being deducted I made a transfer to through the app to the loan repayment 17 December 2022 - 3rd Attempt 23 January 2023 - I made a transfer 25 January 2023 - 4th Attempt 01 February 2023 - 1ST Debit order on Promise to pay with the amount I had been transferring. Mind you I did not accept this debit order mandate as there was non to accept. 24 February 2023 - 5th Debit Order Attempt 01 March 2023 - 2nd Debit order on Promise to Pay 24 March 2023 - 6th Debit order Attempt 01 April 2023 - 3rd Debit order on Promise to pay 28 April 2023 - 7th Debit Order Attempt with an unauthorized amount increase in debit order. 31 May 2023 - 8th Debit order attempt with new debit order amount 1st Debit order on the last day of the month 30 June 2023 - 9th Debit order attempt with new debit order amount 2nd Debit order on the last day of the month

Please note that there have been over ten debit orders for this loan repayment, Majority of which the debit order attempts were made before the last day of the month. I get paid every month on the last day of the month, if the loan repayment went off on the last day of the month why has there been failure to do so. Due to FNB's failure to collect the loan repayment on the correct date, my account has continuously gone into minus. There are now three different debit orders going off for this loan all on dates which are not the last day of the month. This is a negative reflection on my credit history because there was a failure to collect the repayment on the said date. I have called in numerous times - check my call log!!! I went into the bank on the first few times they advised that they are not able to help because loans are handled over the phone ( if you didn't see all the red flags before this is another red flag) ... on my most recent visit to the bank because of the over the phone *********** non- helpful service, a lady at the bank advised after the first 1-3 attempts on the repayment, seeing that there is a failure in the debit order the date should have been changed!!! The dat was never changed until I persistently called in.

I called in again over the last two weeks of July, explained FNB's incompetence, the gentlemen I spoke to asked me so what must we do, tell me what they must do, I was shocked, you can hear the pause in the call. The conversation continues, he advises that they will stop all debit orders - he confirmed numerous times that there would be no money subtracted from my account, all which would need to happen is that I would need to make a deposit of the original amount plus the repayment amount I asked what is the least amount and they advised the amount, I confirmed what I would be depositing and they agreed that would be fine, he confirmed again that there would be no further debit deductions.

To My dismay this morning two debit orders have went off ????? What the actual? Now my account is in the minus yet again.

I was also called and advised if i do not comply, legal matters will be taken further. If the loan repayment was debited on the agreed upon dates, the loan would have been repaid. I cannot afford three different debit orders only for the repayment amount to increase because the debit orders are not on the correct date.

Think 10 / 11 times before considering FNB.... FYI I made inquiries as to why money was being deducted on the incorrect dates but no assistance was made until it was too late.