The NCA is very specific in its design to protect the consumer from over-extending himherself and affording the lending institution an impartial viewpoint of set person's ability to repay. Not according to the Credit Department of FNB and especially when it concerns the above-mentioned individuals and their shenanigans.

Shaheem nor Danny have heard of CIPRO business verification, vetting application criteria against presently held accounts let alone applying an ounce of common sense. No, Inspector Gadget and Inspector Goose apply what they charmingly refer to as 'discretion'. Hmmm ... this is not a playground where one plays favourites but not at FNB!

Yet amazingly, when one is one of the top 10% earners in the country, FNB does NOT want your business! No instead they want to keep incompetence on the top of their things to do. No matter, I am now demanding a written response in regards to this application as the damage incurred to my hard earned credit score has come into play thanks to FNB’s Credit Department and will be moving forward with an Ombuds complaint. Keep up the good work as at this rate, you will have NO customers left in no time!

With FNB's decision to now charge an exorbitant amount for paper statements I requested a switch to e-mail statements last month. I usually receive my paper statements around the 6th of the month but have had no e-mail statements as yet. I even checked my spam mail in case. My charges are also quite high this month. Please can someone check to see that I have not been charged for a paper statement and explain why I have not received my latest statement.

I would just like to say i will never do buisness with FNB again. i took up a smart spend loan with fnb last year 30-june 2008. i was paying my loan every month never missed a payment since i had the loan. i recently wanted to pay the loan up in full and i phoned fnb collections department. to find out how much i was outstanding. now this is where service started getting poor. firstly i think the consultants are not fully skilled or they just don't know wats going on. i asked for a settlement quote where i was quoted two diffrent quotes. i was email'd the settlment quote figure i then maid the payment via internet banking. & a lady by the name of Ruth Masilela assisted me. i was then told my smart spend loan has been paid in full & i was email'd the confirmation letter to say my loan is settled. since the 30-09-2009 its been paid up but to my amazement it's not paid up my accound has been debited twice and i recieved two rejected debit order's. im upset & i will take further action. because when i phone i get put on hold. Ruth Masilela assured me they wont debit the account but stil no service. but il continue til my cry has been answer'd i will take it to the ombudsman.

What nonsense is it that FNB freezes an account for loosing a card ? surly this is breach of contract. I am in credit on my account, yes, my money is in the account, i send someone to midrand to pick up goods while i try to process an internet transfer. i live and work in lenasia, so no i am outa pocket for costs sending someone 200 km (round trip) to go collect a parcel, and i cannot even use my money to pay for the parcel. I was told i will have to wait till i collect my new card before i can use the account, but will have to wait till my card is at the branch which may or may not be this week. i am purchasing something that is on special, if the deal falls through what recourse do i have, can i claim damages from fnb for the difference between the actual price and the special price?

I applied for a bond in FNB seeing as I've been a customer of theirs for more than 10 years, my car is even financed through them and I have a credit card with them and my salary goes there too. Imagine my surprise when all the other banks (Standard Bank and Absa) accept my bond application but FNB declines it. When I enquire about it the consultant says I have 'too few accounts' and continues to say 'YOU NEED TO OWE AND PAY LARGE SUMS OF INSTALMENTS ON DIFFERENT ACCOUNTS TO QUALIFY'. You get plenty of points if you are in huge debts according to them. What rubbish is this? Since when is it a crime to have few debts and choose to pay for items bought using cash or credit card instead of opening accounts in different stores? This is ridiculous and so disappointing from FNB.