Our bond has always been a Flexi Bond

Our bond has always been a Flexi Bond. We are always in advance with our payments, but should we need renovations, we quickly access the available advance payments. When I checked on Wednesday, I was shocked to find that our Bond on 0 balance, meaning we are unable to access the funds. Someone has changed our contractual agreement with the bank, without our consent, which ai believe is *******. This so frustrating and irritating at the same time. When I spoke to my private banker, Nyeleti, I was told to apply for the facility, REALLY! Why should I be applying for something that has always been there. FNB is slowly losing their status as a great Bank. Please assist in resolving this asap.