No training or knowledg in FNB business banker.

After seven years of being a client with FNB business I have had an terrible experience. My business ( a registered company which means it is a legal person on its own) did some business with Bangladesh exporters that paid by Letters of Credit. Firstly my *********** business manager calls to tell me that see sees I have an outstanding letter of Credit worth R1,2 million and how am I going to pay it. This is so laughable because in the first place this letter of credit was incoming meaning it was money due to me but even worse... somebody in that bank have read through this guarantee 5 times because they charge you R570 every time somebody reads through the Letter of credit. Long story short the money was due to me but she who is my business banking manager did not have a clue. Then I app**** with her... becasue she is my first contact point with finance to bridge this to enable me to pay the freight on the exported goods. She came back and told me that I have owed apparently in my personal capacity the bank R37 000 for 13 years... and although they have had all my contact details for 7 years they never asked me about it or contacted me about it so it can be settled... according to law negative credit can not be held against a person longer than 5 years ... worse this was not even in the entity that held the accounts name... Then I asked her... the manager if there is some way I can assign the proceeds of the LC's to the shipping company.. her answer was that the bank can not guarantee money that they have not received yet despite them hold guarantees for more than R5 million rands. only to be informed a week later by someone who works with it that it can be done! This whole situation is the reason I have now lost more than R5.4 million rands. I have never ever been treated so desperately *********** by someone earning a salary to be helpful but is only completely *********** and without training and knowledge. They are worth less than the one star rating. a credit profile I have worked years on getting back to good now down the drain again because my business banker would be better of working as a media relations officer.