Have had poor service from FNB over the past 24 hours. No-one in the Premier Banking department answers their phones. And they're called "Premier Banking"?! I then called Home Loans as a last resort to find out if 1) I can cancel the Flexi option facility on my existing home loan and 2) if by doing so it would reduce my exposure when applying for another home loan. I get through to Desmond, who instead of answering my questions, wanted to sell me the MYHNYHL product. He said that nobody around him can help answer my questions. After putting me on hold he say his supervisor says I can cancel my Flexi. When I ask whether this will reduce my exposure when it comes to future home loan applications, he puts me on hold again. Then his manager, Elizabeth comes on. She also can't answer my questions & says I need to apply for a new home loan to get the answer? How is that a solution? She says the Credit department deals with these queries. When I ask for their number or email, she says they don't deal with customers. How am I to get an answer if the department that deals with those customer queries, won't speak to their customers? Cheers to the people at the forefront of service.