Repeated payment allocation issues on personal loan – ongoing problem

I am extremely frustrated with FNB’s ongoing handling of my personal loan. This is not the first time I have experienced this issue. I have been paying my account every single month, yet I continue to receive letters alleging non-payment and threats of legal action. Upon checking my statements, I can clearly see funds being paid to FNB, however these payments are not being reflected correctly against the personal loan account. Despite this being a recurring issue, it has still not been permanently resolved, and I am once again forced to chase FNB to correct what appears to be a payment allocation or internal system error. I am requesting urgent intervention, a full payment allocation breakdown, and confirmation that my account is up to date and will not be handed over or negatively listed again for the same issue. This ongoing problem is unacceptable and causes unnecessary stress for a paying customer.