This all started because i became disabled and contacted FNANB to let them know that i was going to get behind on my account also to see if they would help me in any way. I fell behind approx three months i was called at least once a day sometimes two or three times a day for the three months at that point i called and asked what i could do to stop the late fees and overlimit fees and get the interest rate dropped down from the 25.8 percent that i was now being charged, i was told that if i paid them 750.00 that day that they would stop all overlimit and late fees and drop the interest rate to 14.9%, also i would within 2 weeks get a letter stating this. Thinking this was the answer to my problem i paid the 750.00 now remember 750.00 was the amount they told me to pay i did not come up with this number on my own. Two weeks go bye nothing approx 4 weeks i got a bill showing my payment but nothing that i was told would happen did the interest rate was still 25.8% and i was still being charged late and overlimit fees, needless to say i was pissed off i called them right away and i was told that they never made this agreement and would not honor it. This started a back and forth battle i told them that until they honored the agreement that i would not make another payment. I started getting three or more phone calls a day from thier collectors during this time i kept calling them trying to get the problem taken care of explaining time after time what had happened, i spoke with everyone they would let me including so called managers at one point a manager told me that the person that made this agreement was not athorized to do so and that is why they would not honor it well approx 6-7 months went bye i kept stating my case with no results. FNANB sold my account to a collection agentcy for a fraction of the original balance what was 5,000 has now turned in to 14,000 and they are going after my home this has become a nightmare. I need some help
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