STILL waiting FNB.

Tue 2019/04/09 10:25 AM Good day Joyce. I trust this email finds you well. I have tried calling this morning with no response? Please would you get back to me regarding the below? I spoke to Mphuni Tumede who advised that she would pass on a message that you call me back? Please advise urgently. Kind regards. B H From: Sent: Monday, 08 April 2019 4:40 PM To: FNB Loans Subject: Re: ********** Good day Joyce. I trust this email finds you well. Please would you update me on the below perhaps? Thanks in advance. Kind regards. B H. From: Sent: Thursday, 04 April 2019 4:48 PM To: FNB Loans Subject: Re: ********** Good day Joyce. I thank you for trying to contact me. Currently I am in meetings and I am not able to answer my cell. All I require is that R1500 of the last debit is refunded for this month. I have repairs on my vehicle which I need to tend to and without these repairs my car will be immobile. From the end of this month you can revert back to the usual debit of R2500 going forward. I can provide slips and substantiating evidence to support the issues with my car should this be required. Thanks in advance. Regards. B H. From: FNB Loans ********** Sent: Thursday, 04 April 2019 4:41 PM To: Subject: ********** Good day Mr. Brandon M Henery, Thank you for your email. We have tried to get hold of you on to no avail. Please note that we may assist with your request for 1 month to reduce debit order amount , however, we must conclude an arrangement. Alternatively, you may respond to this email with confirmation that we can put the debit order back to R2500.00 after the 25th May 2019. Should you require further information please do not hesitate to contact Collections department on ********** . Kind Regards, Joyce Lepele This email is subject to a disclaimer. Visit the FNB website and view the email disclaimer by clicking the "About FNB + Legal" and "Legal Matters" links. If you are unable to access our website, please contact us to send you a copy of the email disclaimer.

Good day Tshepo Mosolotsane. I thank you for the below. And the reason why I thank you, is that the below response from FNB has now quantified my decision to leave FNB for good. You see Tshepo, I am still working very hard to get back to a level playing field financially after being unemployed for 2/3rd's of 2018. I could have taken many other decisions to negotiate lesser amounts of payments legally which would have left FNB having to make less back on interest and on the outstanding capital amount - money makes money after all right? I could also have gone to another bank and paid what I felt I could pay leaving FNB with no option but to accept that. I could also have not paid all together at all. No, I decided to stay with FNB. I decided to break my back to try and do my best with what I have being a single father and sole bread winner. I decided to do the right thing. Unfortunately what I did not count on, is needing to effect major repairs on my vehicle - see attached, image A. You will note the critical points of mechanical repairs as per my spread sheet, you will note that these tie in with amounts charged to my FNB cheque account - go look. Please. I have a point to make with this.........you see, what you dont know is that in March I emailed FNB and this very same department notifying you of issues and asked that someone contact me back. You never did. So I had a choice to make. I could either ask FNB for assistance and understanding in a tough time so that I could continue to feed my family, get to work so I may continue working and make some payments at least whilst I ensure that my vehicle is roadworthy, safe for my family to travel in and also reliable so I may continue working. Or, I could continue to pay FNB, not have a job and not have a means of transport. Which is the lesser of two evils? I still have more repairs required by the way, so I still have some way to go but I am doing what I can bit by bit. I would now like to point your attention to image B. on the attachment. You will note that according to that information which is taken from your website and is a screenshot of the account in question. It states that my monthly payment expected is actually only R426.12? Now I am sure we dont need to go and discuss basic mathematics and which is the lesser vs. greater amount hey? It also states on this screenshot which is taken from your website and from the account in question that I am not in arrears any longer? So FNB........."how can we help you?"...........what a slogan, what a joke. All I asked was just for assistance and understanding given unforeseen circumstances so that I could continue to feed my young son, fix my car so that I could continue to work and have a reliable and safe means of transport whilst still making a lesser contribution for a SHORT period of time. Instead FNB as a banking institution decided I should not try and at least have a reliable car to get to work and back that is safe for my son to be in, not be able to feed him either and not care at all. So FNB, thank you. Thank you for showing me that I should rather take the road you wouldnt want me to. Today at lunchtime I will be going to Capitec to activate my cheque account, I will be changing my banking details with the finance department at my employer and I will no longer be directly banking with FNB. Have a fantastic day further. This will also be going onto Hellopeter and I will be notifying a very well known Journalist contact as well. Regards. B H. From: FNB Loans ********** Sent: Saturday, 13 April 2019 9:58 AM To: Subject: ********** NF Good day Mr. B H, Thank you for your email. This email serves to confirm that we will not be able to assist you with refunding a R1,500 from the R2,500 debited in March 2019. As i have advised you, your loan account is highly in arrears and the you have not paid the arrangement amount every month as previously advised. We therefore advise that you continue paying the agreed amount of R2,500 every month or to contact our Collections department on the below number to review the arrangement of R2,500. Should you require any further information please do not hesitate to contact on ********** . Kind Regards, Tshepo Mosolotsane This email is subject to a disclaimer. Visit the FNB website and view the email disclaimer by clicking the "About FNB + Legal" and "Legal Matters" links. If you are unable to access our website, please contact us to send you a copy of the email disclaimer.

Good day Tshepo Mosolatsane. Just to show you the timeline of my actions. Herewith the below: In case you are unsure, the above mentioned person deals with our salaries department and releases of thereof. By the time I get back to the office from my visit to Capitec, she would have responded and I would have the details and account information to complete this change - so before COB today, my cheque account with FNB will now be redundant as is the historic relationship I had with FNB prior to my financial hardships. Did FNB forget about all the motor vehicles I have financed with them and all the other successful business we have done together? Obviously, the answer is yes. I suggest that FNB forwards me the details for the two accounts I have currently. I will be making payments from Capitec going forward. R250 on the one account and R1500 on my loan account. This then leaves me with an extra R1000 a month to fix my car and better support my family going forward. This can be considered as my formal advisory thereof. The difference would be roughly 17 months to pay the loan versus the suggested 10 months at R2500 a month. Ill also in fact from what I note, be saving on account pricing and bank fee's with Capitec. I thought paying a premium would see me having access to better service and personalized attention to detail? Oh wait...........I guess I will only get that if I didnt have to deal with daily challenges more and more South Africans are having to deal with hey? No matter FNB. Ill help myself. Thanks FNB. PS: My next email will be a selfie sitting with a Capitec consultant during my lunch break. Regards. B H.

Standard response from FNB. On my way to Capitec now. Next update will be a selfie of myself with the Capitec assistant, This is the level of service a premium amount of money gets you with FNB. Be aware.

Good day Tshepo Mosolatsane. I am now back at the office from visiting Capitec as per below image. I hereby request the account details for the following accounts: ********** 575 ********** ********** 02 With respect to the above accounts, I will now be paying the following amounts per month via direct transfer. ********** 575709 - R250.00 ********** 833102 - R1500.00 This email hereby advises that I will no longer require the following account: ********** 6292 - PLEASE CLOSE THIS ACCOUNT IMMEDIATELY. FNB, it really is sad that this is what it comes to. Essentially, it took Capitec all of 15 minutes to sort me out with an account, online login and any other information I required. In the interim, I will be gathering any other information from my now defunct FNB account over the next few hours so that I can load them as beneficiaries onto my Capitec account. I actually cannot remember how long I have been with FNB for? Would be interesting to see in fact. Considering the average bank charges each month, the vehicles I financed, the loans and other accounts etc etc. In respect of the above amounts I will be paying per month on these accounts.............I could be paying that, or paying nothing at all. I could have been paying more as well - all things considered. But greed is an awful thing FNB. So now you can have the lesser amount and lose a client in the process. The excess I will have in my pocket now will be used to fill my cupbaords at home and pay off other accounts quicker. Here is my parting promise: When I am at a point where I require a banking institution which can better handle a larger financial portfolio, FNB will not be one of the banks I consider at all. Regards. B H. From: Sent: Monday, 15 April 2019 12:51 PM To: FNB Loans; FNB - Customer Care; Subject: Re: ********** NF Good day Tshepo Mosolatsane. As promised. Cheers FNB.......I should actually put together a spreadsheet with costs incurred over the many years I had an account with FNB. Id love to see how much money I wasted as a client. Kind regards. B H.

Thank you FNB for getting someone to call me from your Business center at 14H45 - Tel: ********** . I suggest you re-read and understand what I have stated above. NO - you will not get my banking details to setup a debit order. I WILL MAKE THE PAYMENTS FROM MY NEW ACCOUNT as STATED above. NO. I do not trust FNB any longer and YOU WONT HELP ME as a client of many years.

Good day Shenayleigh. Thank you for the below email. So what I have stated on recorded line and email is obviously not understood or acknowledged. Please refer back to my emails and telephonic recordings. Forward me the account details for both accounts so that I may pay the following going forward: ********** 575709 - R250 per month ********** 833102 - R1500 per month. Please do get your legal department to contact me and take me to court if they dare. I welcome it. I know exactly what the outcome will be and it will be very surprising. I merely asked for FNB to assist me whilst I recover from being close on destitute in 2018 and totally unable to pay anything versus the position I am in now where i am able to start paying again and pull myself back from the brink of destruction. As stated before in writing from my personal email. CLOSE MY CHEQUE ACCOUNT WITH THE FOLLOWING ACCOUNT NUMBER: ********** 6292 If you are unable to adhere to the above requests, then get someone in a position of authority that can. Clearly FNB is as done with me as I am with FNB. I will log another complaint with FNB on Hellopeter.com if the above requests are not met. Regards. B H. From: FNB Loans ********** Sent: Tuesday, 16 April 2019 3:00 PM To: Subject: Complaint ********** Good day Mr. Brandon M Henery, Thank you for bringing this matter to our attention. Please find the account details below for the loan account payments: FNB account: ********** 4189 Branch code: 250655 Reference: ********** 833102 Kindly be advised that the current arrangement is for R2500 should you wish to reduce the amount, the collections department will be in contact. The Revolving Loan account has been escalated accordingly. Please be advised that the cheque account closure must be fulfilled at your nearest FNB Branch. Should you require further information, please do not hesitate to contact us again. Kind Regards, Shenayleigh Sahibdeen This email is subject to a disclaimer. Visit the FNB website and view the email disclaimer by clicking the "About FNB + Legal" and "Legal Matters" links. If you are unable to access our website, please contact us to send you a copy of the email disclaimer.