Notification of Arrears on Bond Account

<p>Good day all.</p> <p> </p> <p>I would like to know how it is possible that my bond is in arrears if it was registered on the 13th December 2016. I got final call from FNB before the bond was registered to confirm everything and I also asked the lady when the first debit will be. She then confirmed that it will be on the 25th January 2017. I got that confirmation from her twice. Beginning of January 2017 I received a sms saying that my bond was in arrears but I ignored it. We staying here just over a month.</p> <p> </p> <p>Today I get a letter from FNB (Notification of Arrears on Bond Account) and I see it as a threat from FNB. I have attached an image of the letter and also the final statement received for the bond which clearly states that (If you pay your instalment by debit order, the debit order will come into effect on 25 January 2017 for payment of the instalment against your cheque/ transmission/ savings account, by First Rand Bank - FNB on account number ********** 5397). Now it shows the amount in arrears as at 31 December 2016 being R1388.51. How is the account in arrears when I had money in the account and the payment method is debit order.</p> <p> </p> <p>This has affected my Check Account as well because my Check Account now can’t be upgraded because its flagged as if I’m under some kind of review/suspension/administration. How can FNB do this to me. It’s enough that I struggled to get this bond finalized and move in since July2016 when I app**** only to get something like this.</p> <p> </p> <p>I need this rectified immediately and hoping this will not affect my credit record as stated in notification letter I just received.</p> <p> </p> <p>I cannot wait days</p>