HOUSING FINANCE RIPPING ME OFF, THEY CANT SHOW ME HOW MY EXTRA PAYMENTS AFFECTED MY BOND

<p>I HAVE BEEN STRUGGLING WITH FNB SMART BOND, SINCE FEBRUARY THIS YEAR IN OBTAINING A STATEMENT THAT SHOWS ME HOW MY EXTR PAYEMENTS OVER THE YEARS HAS AFFECTED MY BOND. THEY ARE REFUSING TO SHOW ME A STATEMENT OF HOW MUCH MY BOND IS WHEN I PAID MY NORMAL INSTALLEMENTS, AND THEY ARE ALSO REFUSING TO SHOW ME SATEMENT OF HOW MY EXTRA PAYEMNTS HAS AFFECTED MY BOND AND LOAN TERM. AT THIS CURRENT MOMOMENT MY OUTSTANDING AND LOAN TERM IS WHERE IT IS SUPPOSED BE AS PER MICHAEL GOVENDER WHEN I PAY NORMAL INSTALLEMENTS. I HAVE MADE EXTRA PAYEMENTS PAYMENTS TOWARDS MY BOND OVER THE YEARS, BUT FNB CANT SHOW ME THESE PAYMENTS, I HAVE LOGGED SERVERAL COMPLAINTS WITH FNB. I HAVE EMAILED Chuene, Boitumelo <***>; Resolutions, FNB Housing Finance <***>; Mkhasibe, Thulani <***>; Williams, Emelia <***>'Govender, Michael' <***><span style="font-family: Tahoma, sans-serif; font-size: 10pt;">Mdlungu, Bonga (***); ***; ***; '***'; '***'; '***', THEY ALL READ MY EMAILS AND NONE OF THEM RESPONDS WITH POSITIVE FEEDBACK. ON THE 3RD OF MAY I MET WITH MICHAEL GOVENDER WHO COULD NOT EXPLAIN HOW THE INTERST IS CHARGED AND HE COULD NOT EXPLAIN HOW MUCH MY EXTRA PAYEMENTS WAS AND WHY IS THAT FNB WOULD INCLUDE A LUMPSUM FOR OUTSURANCE IN 1 MONHT MEANING IN THAT MONTH MY INSTALLEMENT THAT I HAVE PAID WILL NOT BE ENOUGH SO MY ACCOUNT WILL SHOW A MINUS R1000 +, THAT MEANS FNB IS GOING TO CHARGE ME DOUBLE INTERSET IN THAT MONTH FOR SHORT PAYMENTS. THIS HAS BEEN HAPPENING FOR YEARS NOW. WHY DONT THEY DEVIDE THE INSURANCE OVER A PERIOD OF 12 MONTHS LIKE THEY DO WITH EVERYTHING ELSE. MR MICHALE ALSO TOLD ME THAT MY BOND IS WHERE IT IS SUPPOSED TO BE, BECUASE FNB HAS WORKED IN SUCH A WAY THAT BY YEAR 5 THIS WHERE YOUR BOND SHOULD BE AND BY YEAR 10 THIS WHERE THE BOND MUST BE, AND HE SAID MY BOND IS EXACTLY WHERE IT IS SUPPOSED TO BE, MEANING THAT ALL MY EXTRA PAYEMENT IS GONE OR NOT CONSIDERED. HOW I UNDERSTNAD THIS IS THAT IF YOU PAY EXTRA ON YOUR BOND THEN EITHER YOUR INTERSET, LOAN TERM OR YOUR BOND ISTALLEMNTS COMES DOWN. IN MY CASE THIS HAS NOT HAPPEDED. THIS IS FOR HOUSE IN COSMO CITY AND WHEN I ASKED MY FRIENDS AND NEIGBOURS IN COSMO CITY WHO HAS A SMART BOND WITH FNB COMPLAINTS ABOU THE SAME THING, I JUST FEEL THAT FNB DOES THIS BECUASE THEY BELIEVE WE A POOR AND UNEDUCATED AND THEY ARE TAKING HONEST PEOPLE FOR A RIDE. EVEN MR BONGA MDLUNGU, MICHAEL GOVENDER'S BOSS JUST INGORES ALL MY EMAILS. ON THE 10TH/05/16 I SENT AND EMAIL TO MICHALE AND BONGA FOR FEEDBACK RGEARDING THE METTING MACHAEL AND I HAD, STILL TO DATE THEY BOTH HAVE NOT RESPONDED. FNB IS TAKING MY MONEY AND NOT ALLOCATING IT TO MY BOND, THEY A RIPPING ME OFF BECUASE MY LOAN TERM IS STILL ON A 135 MONTH EVEN AFTER ALL THE EXTRA PAYEMENTS I HAVE MADE TOWARDS MY BOND. MY OUTSANDING BALANCE IS WHERE IS SUPPOSED TO AFET 9 YEARS OF PAYING. SO MY EXTRA PAYMENTS DID NOT MAKE A DIFFERENCE TOWARDS MY BOND. IT IS TIME THAT THE OMBUDSMAN AND CARTLE BLANCH INVESTIAGETE AND THE PUBLIC IS MADE AWARE OF THIS UNDER HAND DEALING OF FNB HOUSING.</span></p>