Worst bank ever when you are in trouble!

One disappointment after the other!! Its been months that I have tried to get help or time from FNB but just like always no one can help.

Just in short, me and my husband had jobs and we took out a loan with FNB, then my husband lost his job so we are not getting in the money like we did so we can't pay like we did HOWEVER I still pay more than half per month on all the loans! So I never stopped paying. But still no help even though it is clear we are struggling.

Then I get a phone call yesterday saying I had a letter of demand which is expiring and I will be handed over. I received NO phone call for that letter, NO email and NO documentation that I signed for so where is this letter of demand??? Also then to tell me I will be handed over just like that??? Also telling me my credit score will then be really affected badly when that happens, what a threat!! In all the contracts it stands that you should not be harrassed, then what do you call this? You have dropped your services so low! How can this be customer service!?!? This is pathetic! I have my lawyer ready, so hand me over and see what happens because you guys don't follow the procedures!!