Watch the small print of FNB's 'Flexi' Loan. It does not work like other ACCESS bonds

FNB has a Flexi homeloan. When it was sold to me I was led to believe that I would be able to deposit additional funds and later extract capital as required That my monthly repayments would adjust accordingly. What they actually mean is that when you take money out they will quickly increase your monthly repayments, but when you put money in they will not adjust your monthly repayments down. At a time like this, I have done the responsible thing to reduce my debt and expected to see the benefit of reduced monthly commitment. Can you believe that FNB will not help me to reduce my monthly repayments without forgoing access to this lumpsum capital should I need it down the road?