FNB responsible for irresponsible lending

FNB are extremely quick to throw money in your direction when they think you are doing well financially, including increasing your credit limit & overdraft and offering personal loans. Even for COVID relief, FNB's answer was to offer another loan, in order to make more money out the client. When it comes to helping a loyal customer in a time of need, they throw you to the wolves and are unwilling to assist, no matter how often you communicate and meet with their senior management. Then they hand you over to no less than 5 debt collection agencies and you continue to get threatening emails from new agencies, even when you already have a payment arrangement in place.