STAY AWAY FROM FNB LOANS...OR ANY OHTER BANK, mostly FNB.

Here is a cautionary tale for you, out there considering getting a loan from a South African bank, not just any bank, particularly FNB. Now, first of, let me say, no one held a gun to my head and made me take out two loans from FNB. I made that calamitous decision all on my own i'm afraid. 3 years ago i decided to go back and to school and try get a degree. Noble reasons methinks...but trust me right now, i'm trying to get my head examined for thinking a bank, would be fair to me while trying to pursue my dreams. Then, during my studies, life happened, and i needed a personal loan as in yesterday. Sure, FNB gave me the loan. Then, after my second year of study, I couldn't bear to apply for another study loan so i couldn't continue with my studies. It is then, when FNB, was now no longer just taking the minimum towards interest, when i couldn't prove that I am still studying, they said i need to start paying the full amount towards the loan. Now, that didn't take me by surprise, because that is what they told me before accepting the loan. Right now, I'm paying for two different loan at two different interest rates. I haven't defaulted on any of my payments. But i am left with virtually nothing after i pay all my bills. Again, i feel like i made poor decisions when i took out the study loan in particular. I have approached FNB countless times to try consolidate the loans and pay back one loan with one interest rate. And guess what, even though FNB can see me pay the other two loans, they say i won't be able to afford the consolidation loan. Which is them saying ***** you, we don't want to make you comfortable and pay us one consolidated amount, we'd rather you struggle to make ends meet, because we want you to pay us two loans instead of one. So kids, I don't think if you need to study, your siblings or whomever, DO NOT APPLY FOR ANY LOAN AT FNB. I agree, I was stupid and now i'm paying the price, and let what, my bank FNB, could not care less. Lovely story huh kids...You live, pay taxes, Pay Debts and die...