********** FNB

I sent through the a "*****" complaint and to my surprise and utter disgust I get an *********** agent calling me back that doesn't even know how to count or use a calculator, then has the audacity to ask me how I come to figures based off the statement I was sent from FNB. How in this day and age is someone allowed to work in the banking sector without the knowledge to do simple mathematics....? My complaint has not been resolved and I have NO feedback whatsoever from FNB. The just of my complaint is that I have a smart loan account with FNB with an agreed annualised interest rate of 24% now although this should equate to 2% interest per month it actually comes in at 2.029% however this month I paid in a lump some and to my surprise I get an interest rate of 3.33368% which equates to an annualised interest rate of over 40%. That is a huge jump in interest yet the statement still shows my annual interest at 24% and monthly interest at 2% thus meaning FNB is de*****ing me according to their own statement sent to me by making me pay more. And if this is extrapolated it would mean I pay back more money than I should. I want this issue sorted out as I find this highly irregular and a cause for concern. Does anyone know if once can institute legal proceedings to have my loan cancelled because of breach of contract by de*****ing me.