one account bond

I have a bond which was a one account with FNB for more than 10years & has now been changed to a normal home loan(bond)as their 1account is no longer viable &cancelled.I lost my job end December 2021.I tried getting a quote on settlement total &if i might get a discount because I lost my job and I'm not working currently multiple times.no settlement or normal total was communicated.was told my account was in arrears for R30k & to pay.told no discount will be given.not sure on what,the bond settlement or the arrears they say i owe?and how can i be in arrears when i was making payment?I had to pay the R30k I don't have a few days ago so i don't lose my home.what happens now as i might not be able to pay the next few months?I woukd have been using this to pay monthly.please can someone contact me to clarify and resolve.please can you assist me FNB?hoping for a positive response