FNB TEMPORARY LOAN - Unexpected Twist

Sirs,<br> <br> I have been offered a temporary loan from FNB on my online banking profile, of which I thought hell why not try it, and make use of the facility, even though I did not have a need for it, just wanting to take the facility and repay the amount as and when needed, obviously to build a record with the bank, upping my credit score etc.<br> <br> I took the R5000 loan on 26 January 2015, after which I was sent a quote afterwards. I hav 2 pay a R600 finance fee upon repaying the loan. I had to repay the loan on or before 2 March 2015. Everything was fine. <br> <br> Today, the 28th, 2 days later the R5600 has been taken back by the bank, whereas I did not even touch it as yet. R600 interest for 2 days finance. I received a deposit into my account and the money is back to fnb.<br> <br> After reviewing the quote in fine detail, a specific clause and to the untrained eye, or layman... it reads that FNB will take any amount coming into your account as full and final settlement of this loan.<br> <br> My mistake I suppose, but, there are many wrongs in this offer from FNB. If you offer me a loan, and stipulate a specific day to settle, do not overcharge me ridiculous interest for 2 days.<br> <br> I would like a refund of R600