FNB SOD nightmare

Disappointed by FNB home loans! I app**** for a substitution of debtor bond with FNB as an existing client and because I have another home loan with them. My bond was instructed to the attorneys on 23 November 2023. I went in to sign all the documents and did what I needed to do from my side. Every time I call the attorneys, they tell me that they are waiting for a proceed from FNB to proceed. One month goes by, the second month goes by and I call FNB to find out what is happening. FNB blames the attorneys so I went to the attorneys’ offices to hear what is happening. The attorneys showed me the number of emails sent to FNB querying my bond and there was no response from FNB to the attorneys. I escalated my query with FNB and was given documents to sign again. The attorneys submitted it to FNB but FNB is not attending to it nor responding to the attorneys. I sat with the lady from the attorneys office while she called FNB but not even one person who was supposed to attend to my query answered any of the phone calls. Further to this, FNB was not transparent to me with regard to the life cover that was added to my bond. I specifically told them that if it is not necessary to have life cover for the bond, I do not want it. On the bond documents I signed with the attorneys there was no life cover document and they did not require me to have it. But suddenly I’m told that I need a life cover on the SOD bond which I was told to take and it reflective on my FNB App. So how is FNB able to process a life cover on a bond that they can seem give proceeds for and even today I am still waiting for them to allow the attorneys to register the bond!!