Pethetic Nedbank homeloan services

I called numerous times just to split my joint bond repayments, but the agent said she will add a note on system. What difference will a note make whilst trying to make payment arrangements? I will definitely go to the ombudsman!!!! Uselessness. Nedbank couldn't even advise me, she demanded I make 25%payment to the bank, of which they couldn't get hold of the co-owner to discuss reasonable outcomes. In this current economy you can't turn willing payers down, plus this negatively impacts my credit record 😡