Client Review on Farmers National Bank

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I have a high interest personal loan from FNB, yes it is my fault for taking out a loan I could barley afford, but as my credit rating improved and my mortgage had been paid off I called this bank up and explained the situation and asked if they could rework the terms of the personal loan so I could have a lower interest rate. I had never missed a payment in 1.5 years and never missed a payment on any other loan I had. The lady on the phone who would not give me her last name or her extension, told me "We cannot rework any loans, but if you like we can open a line of credit on your house at x.xx%. Well, I have been scraping every last penny together selling every thing I don't use on craigslist and I finally have the loan paid down to about 17 payments in a year in half time from the original 61 payments. I called them up again and explained the situation, asked if I paid the loan off in February or March if they would have the early payoff fee of $150 and again they said no. Oh to top it off, each Christmas, Easter and April 15 they send you a kind little letter offering you the ability to SKIP a payment at a cost of a $30 fee, all the accrued interest for the "skipped" payment and the skipped payment gets moved beyond the final payment, which you are not given what the final payment is, you have to call in and they TELL you what the final payment is. Learn a lesson from me, maybe this bank is fine for local people in Canfield, but really really really do not use a personal loan from them. It's all really deceptive, legal, but deceptive what these crooks are doing. The day I have the rest of the cash saved up to pay off the loan I am personally driving to the main branch, demanding to see the bank executive and see the look in his eye when I explain everything his bank does to try and break a simple working man and then demanding my title be turned over to me... Ugh.