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<p>Well FNB has proven again that their motto of how can we help you is a total lie,they should say FNB find help elsewhere. I was retrenched last year August while my fiancé Mandy was still on maternity leave since she was claiming UIF the funds we received were not enough to cover all our debt yet we never lapsed once on our bond payments ,her iD nr is 85041****0080 for your reference. We could not make full payments on all our other debt so she became in arrears, we then approached FNB with our problem to ask for to refinance our bond since the property is valued at R650000 and we owe R257000,we wanted a loan amount of R320000 to consolidate our debt and to complete the building of our carport,we app**** first in November 2016 and it was declined because my fiancé did not have 3 months payslips since she only went back to work in October 2016 . They told us to wait until she has been back at work for 3 months so we waited, she reapp**** in December and it was rejected because she had 1 account in arrears. We told them that is why we need the refinance to pay it so she only has the bond to repay and to this day we have received no positive assistance. I suggested that we switch to another bank because of the poor service we've received from FNB. Mandy's contact nr is ********** 030</p>