I question the integrity and if FNB is genuinely concerned with helping its clients, as it suggests in its slogan.

FNB has a slogan that says “How can we help you”. Yet, yesterday the bank did not live up to this slogan. I went to the bank to notify them that due to unforseen changes in my finances, I will not be able to make the monthly repayments to towards my personal loans as agreed in our contracts. The consultant told me that I cannot make payment arrangements in advance. Instead she advised me to wait until I miss a payment to make payment arrangements. This does not make sense to me at all!! How can the bank advise me NOT to make payment and then only make payment arrangements after a missed payment. Is the bank aware that I am preempting them, as a responsible client and I am trying to manage my financial obligations so that my credit scoring is not affected? I’ve never missed a single payment with FNB and I do not intend on doing so over the next few months, hence I wanted to make arrangements. Would someone from FNB explain why they cannot help clients that are trying to maintain their finances in a financially healthy manner.