Horrific service

FNB life together with FNB has just abused us consumers in every way they can. They capitalised of covid situation. At the time where all other financial institutes leveraged off our credit life policy to assist with payments while being short paid, FNB gave additional loan to cover the payments which in the end FNB gains but is consumers have another debt to pay. The credit policy never came to the party yet we pay religiously. Now I get a message saying I can claim from my policy if I collected TERS during that period. So I did and now the new loop hole for them to not pay is to say but your reduced salary wasn’t less than 10% even though it was never mentioned when the communication was sent out. FNB and FNB life what are you trying to do to us consumers? This is not good service! You are playing with people and their financial situation. This is emotionally impacting us as well as financially. Why was this credit policy not utilised during covid?