******* INTO GETTING A PERSONAL LOAN

I have been banking with FNB more more than thirty years. I am totally DISGUSTED by the manner in which I have been ******* INTO by a certain staff member of FNB, from the Republic & Main Avenues Randburg Branch. KHUMBULANI SITHEBE. On the 10th August 2018, I went to this FNB branch, took a ticket... sat for a few minutes, than was called by counter 3. (It was KHUMBULANI) All I needed was assistance with my petrol card, It took him all of 2 minutes to advise me that I needed to change my petrol card pin number at the ATM. As I was about to get up, he said do you know FNB is offering you a personal loan of R150 000. 00. He never explained anything to me, as per the Banking Fais regulations. NOTHING ! I would like to know how much was his commission on that 2 minute transaction.... the ********** transaction!

I said are you serious? without any checks? he said "its because of the way you are conducting your account". Now, just the fact that he said he said 'the manner in which you conduct your account' tells you, i am very careful about spending ???

I said "I dont really need the money, but what if you just leave the funds there, and should i require, I MAY USE IT... HE SAID YES, THAT'S OKAY, I WILL PAY THIS TO YOUR PERSONAL ACCOUNT NOW, I asked what i the interest on this ... he said I am not sure, but you will only pay interest if you use the money, you can call our loans department, they will than advise you on the day, you borrow the funds. I did take approx R30 000 transferred to my FNB overdraft account.

BUT TO MY ABSOLUTE SHOCK, I WAS CHARGED R5594.60 INTEREST ON THE 1ST SEPTEMBER. I rushed to the same branch, waited to see him (KHUMBULANI) I quoted the conversation he and i had on the day he **** to me about this personal loan... He denied this .. said he told me... BUT had this blaze attitude... could NOT be bothered, actually a bit arrogant. I said to him, I know my rights (I come from a financial Institution) he never explained anything to me, as per the Banking Fais regulations. NOTHING !

I got home, transferred the funds back to the loan account, paid the entire amount back. but guess what I WAS AGAIN CHARGED R5594.60 25/09/2018

I am in the process of lodging a case with the Bank Ombudsman as well as to the ***** line at FNB