******* service again FNB

My Wife and I bank with FNB but this is the most useless unfriendly and unhelpful bank I have ever dealt with. Our home loans is with FNB when we asked for a rate review when things were difficult so we can atleast afford the monthly installments they refused, In the last 13 years I bought 10 cars and not one of them where ever financed by FNB but Wesbank keep offering me R350 000 unsecured loans with exorbitant interest rates. We have an homeloan, overdraft, revolving credit facility , life cover and car insurances with them. We give them alot of business but get no good service in return. We now submitted a claim for our windscreen to be replaced. We have an OEM windscreen and the vehicle is still on warranty. FNB want us to pay the difference for the OEM windscreen. I was under impression that the insurance company must restore my loss to the level I was in prior to the loss. FNB and now ducking our calls and we must speak through the supplier. What kind of ******* service is this. Please reconsider your options before dealing with this pathetic bank