FNB worst bank ever DELAYS AND ERRORS -INCOMPETENCE RIFE

FNB is the worst bank to deal with... steer clear.... especially if you have a large amount going in and out your account or you bank with your wife....and add temporary buildibg deposits and expences out your account and you have a recipe for disaster for the *********** conasultants to draw up affordabilities. No further add some expences taken off your payslip you have a further disaster with duplication of expences as they MISS what is on the payslip... and enter the expences twice.. why? Because they *********** and taught a specific system of capturing due to no qualifications they are incapable to deal with any situation out the box. Now further add to this mix that both husband and wife bank together, salaries are paid in and expences are paid out same account and add two applications for smartloans submitting once bank statement and 2 applications and the incompetence are so evident you need to report it on PAIA Act lack of qualifications. Simply just way to above what they know to be repetitive application process learned like a puppet! PJ Botha app**** for a smart housing homeloan back in September 2017 along with IS Botha. Applications were send together to jayhandran naidoo who send it to fnb smart loan, mid september they captured Pj details to IS but captured duplications to affordability for IS, then after a month of who wha corrected it for IS, (the smaller income earner) approved it but used the application values of PJ Botha! Then turn down PJ for affordability when he earns 5 times IS Income and again duplicated the expences which allready show on the payslip again under expenditure. By now we changed the consultant keduetswe who is useless in service delivery no emails or calls are returned. Then suddenly nombubabalo phone and says all is mixed up and fixes iS application and send it through, IS sends iit back saying she wont sign till they fix PJ application! New statements send, new payslips and a promise that it will be recaptured correctly.... this is ONE month ago and after repeated emails and calls to balo suddenly you treated like a stranger! Suddenly you get a sms saying it needs more info please send, so you send, the next think you receive a sms that says cant continue application duplicated!!!!! Absolutely unbelievable.... the worst customer service company ever! They dont answer calls, the dont return calls, they dont answer emails and boy should you not speak to your consultant for 10 days you treated like they dont know who you are! Do not go there... its a nightmare.... since september we have achieved NOTHING but to confuse poorly qaulifed consultants employed for various reasons except intelligences and s****! This is now to be send to the banking ombud, credit ombud and FAIS ombud. Its a story movies are made off! And completely incorrectly handled.