Poor communication in the residual home loan collections department

After my last complaint I received a call and email from Tania Adams, and she advised me that Anthea Sparks was going to call me to answer my questions. I however did not receive any call or email from her. In June I then received an email from Tahir Ogle who claimed to have called me I responded to his email asking him to call again and I gave him my 072 number he never called or respond to my email until today. Both Tania and Tahir advised me of a 50% off settlement offer on my residual home loan. I asked Tania to explain the impact of me taking this settlement that’s when she advised she wasn’t sure but will advise Anthea and as a specialist she might have answers to my questions. I want to accept this 50% but before I proceed with payment of the settlement amount, I kindly request clarity which Tania/Anthea/Tahir did not give. In relation to the 50% can I get a clarity: 1. That payment of the settlement amount will not result in any adverse or negative listing with any credit bureau because of accepting this settlement. If the account is reported to the credit bureaus, please specify the exact status under which it will be reported. 2. That the 50% amount constitutes full and final settlement of my residual home loan account and that upon receipt of this payment, no further balance or liability will remain owing by me in respect of this account. 3. That FNB will regard the account as fully settled and closed, and that no further collection or legal action will be pursued in relation to this debt. 4. That FNB will provide me with a formal Settlement Letter/Paid-Up Letter confirming that the account has been settled in full and that my obligations under the account have been discharged. 5. That I will have access to my eBucks and get rewards as I used to before this account was opened. Please note once clarity has been provided and it doesn’t negatively affect my credit history, I will settle the 50% on the 25th of August.