************ FNB

************ FNB I was retrenched and I put my self under Debt Review, so that we could keep my family safe and secure.

ABSA bank big up to you guys, as ABSA did not charge me any interest on my Credit Card amount. I only had to pay the amount owed.

But FNB

Price G 7102...…... . Price N 7610...…. NCRDC 1078 - urgent updated balance - FNB ACCOUNT : 588....6265 - 40000....5323

On 16 October 2014: FNB sent Debtsafe (my debt counselor ) a letter of acceptance on the proposed restructuring my debt, done by DEBTSAFE, for the above accounts. The court order was granted in November 2015.

I have been struggling with FNB for since January 2019 for the correct statement. I have not missed a payment since the inception of my debt review. FNB continues to harass me with threatening TEXT messages that my accounts are in arrears.

FNB continue to ignore the acceptance letter of 16 OCTOBER 2014 and the AGREED UPON interest rate restructuring of my accounts. FNB continue to restructure from the court date of November 2015 and not from the acceptance of the proposal of 16 OCTOBER 2014.

DEBTSAFE has been struggling with FNB for the same period of time as well. I have requested that DEBTSAFEs’ Legal department get involved with this matter. FNB fails to respond or met its own dead lines and seems to ignore all our attempts to resolve the above matter

I find this highly irregular, disingenuous and a down right dishonest banking practice, that FNB a financial lending institute is not bound by their own agreements. Only I seem to be bound by this agreement, because FNB has threatened me with termination of the agreement if I fail to make my payments on time or faulted on a payment

It no longer helps try to contact FNB as they treat me with distain (because I am not a wealthy customer) and they don’t even adhere to their own dead lines, set out by them It is also very concerning to me that it my account at FNB is in such disarray that they seem to have no idea what is going on. And why was it not done correctly from the start.

I no longer trust FNB and I believe that I am been CHEATED by FNB and believe that my account needs to be AUDITED.

My overdraft account was change to a loan account so that they can levy extra bank charges against me. I should have been notified of this changes.. This was done without my consent or me been notified. I was also not notified about the new bank charges that will be leveled against me. FNB **** to us and I want sue the signatory of that acceptance letter, for misrepresentation. This seems like another loan but I am under debt review

I have also been told that the NCR is toothless and FNB is notorious for doing what they are doing to me..

The letter I received from FNB Dear Mr Price We acknowledge receipt of your complaint. Please be advised that on 15 July 2014 a certificate of balance was issued reflecting an outstanding balance of R46 863.08 t an interest rate of 22.10% per annum. A proposal was received on 08 September 2014 and a counter proposal was issued for a monthly repayment of R246.00 on an outstanding balance of R50 266.85 repayable over 96 months at an interest rate of 14.01% per annum. On 16 September 2014 the proposal was accepted for a monthly repayment of R246.00 on an outstanding balance of R50 266.85 repayable until the balance is settled in full at an interest rate of 14.01% per annum. The provincial proposal was accepted on 03 November 2014 for a monthly repayment of R246.00 on an outstanding balance of R52 954.48 repayable until the balance is settled in full at an interest rate of 14.01% per annum. A notice of motion with a court date 21 May 2015 was received and a court order which was granted on 08 October 2015 was received. The court order was granted for a monthly repayment of R246.00 on an outstanding balance of R50 266.55 repayable over 80 months at an interest rate of 14.01% per annum. It must be noted that the outstanding balance on the court order is incorrect as the outstanding balance was R65 461.87 when the court order was issued. Herewith attached please find a copy of the statement for ease of reference. Kindly note that the account will be reconciled from 08 October 2015 the date the court order was granted and not proposal acceptance date. In closing the First Rand Debt Review Centre hereby confirms that we are in the process of reconciling the account in terms of the granted court order. Updated balances will be provided as soon as the reconciliation has been concluded. Kindly accept our apologies in this regard. Trust you find the above in order. Yours sincerely

DOUBLE STANDARDS FNB a set of rules for you and your customers.