no willingness to help

i requested a loans from fnb which was suppose to run for 36 month inception 22/08/2011: and i lost my job and my sister took over the payment and at first they had issues with her account so it was not debited for the first 2 moths and she has made cash deposit which fnb could only account for and they claim that they find the other cash payment i didn't have the deposit sip on me because it was a long time ago , and their last debit was suppose to be on the 20/01/2015 and my sister account kept on being debited and she has sent numerous emails which were read by Joyce and not even and acknowledgement of any sort as what is happening now i m being threatened that my name will be on listed as bad payer, ever since i had this loan with fnb i didn't get any joy in dealing with them, they are not cumstomer centric, client is not important to <br> them