FNB - Worst than Poor Customer Service

FNB is the worst bank when it comes to customer support. Don't bother calling them because they don't help you. Tried to call them in regards to a sms I received saying I have an account thats been handed over to legal but all I have is a Cheque account. After an hour of being transfered to departments and being cut off numerous times I gave up to try and find out excatly what account this message refers to. The staff don't help you and just transfer you all the time and when you get to the right department you get cut off or they just drop the call and obviously don't want to deal with the customers. Only "Loan" I am aware of that I had was many years ago and FNB *****ed me bigtime on that. Had a smart device which I paid every month and one month my salary was paid in a half hour late and the debit order did not go through and the second month there was funds in the account but instead of taking the debit order for the smart device, they took off Monthly bank charges first which then caused that there werent enough money in the account for the debit order to go off. I then left it thinking they would double debit the next month to make up for the errears and there was enough money in the account for it but they only debited one Premium. So that was still ok. Account was still being paid and the debit orders still went off for about 3 months after that and suddenly oneday I received a message saying the account has been handed over to Legal although they were still debeting my account every month for this Smart device. So I never received any phonecalls or any correspondance to warn me that the account will be handed over, and it does not make sense why it would be handed over as I was still being debited every month. Why not call and say the account is behind with a month or 2's premium and then arrange to take the arrears the next month, but no. So I decided to leave it as is and wait for the legal department to contact me which Never happened and its probably been over 4 years no and Suddenly out of the blue a sms comes through saying that an account of mine is being handed over to legal. Was that not done so many years ago? Why now after such a long time and no communication from FNB. FNB obviously have my cellphone number and my email address as I have a Cheque account registered with that. This is just plainly pathetic. If the account ws handed over many years ago, why not contact me at that time to make arrangements or to sort it out. I was even planning on paying the full outstanding amount just before they handed it over so after lots of frustrating phonecalls later I decided to leave it and then FNB can call me. But no. As like with all the other ******* banks the customer service is up to **** and clearly the Legal team has been asleep for so many years. If this Account in Question is the one linked to the one that is being handed over Now then why only contact me now. Its not like I have been in hiding. Call me and we can discuss this as this "Account" also *****ed me for years now because FNB (My own bank) where my salary goes in every month refuses me any Loans or Credit cards and its obviously due to this account that has been dormant for so many years. I even went to the bank to enquire this and no one could assist me. I don't think FNB has any clue what is going on on their systems. I won't waste my time calling again. Legal can contact me or email me and if they insist that I must pay this OLD account then I will pay it If the account is restored to its original state before it was handed over, because I was paying up to then without any issues. FNB slipped up and now the client must pay. I'm sure thousands of people at FNB has similar issues and complaints regarding their poor service. So send me an email with a statement of the account minus any interest and retore the account to its original state and I will gladly pay the outstanding amount, otherwise don't bother to even contact me because it was FNB's fault for the account being handed over to Legal. If I don't get any proper Service I will be moving my bank account elsewhere. The banking industry has been up to **** for many years but now its just ridiculous. Wake up FNB. I will say this again. Re-instate the account like it was before it was handed over to legal and I will pay it, otherwise you are wasting your time. This is a win for both parties and if FNB don't agree to this then they can shove their Services. So contact me via Email. Your phone systems clearly don't work so I won't answer any phonecalls.