absa no good

Had a great day until absa phoned me. 3 month back I got a loan by absa (great service there) but was told I need to open a chq account to get the loan. so I open one at the lowest monthly service rate because my salary get paid in to my netbank account. the bad bad service started when my first instalment had to go off it had to go of on my netbank account were my salary gets paid in no they try to take it from the absa chq account were there is no money in cost me to go in to the branch change it and pay it in manually what a story. now here comes the big bang. got a call after 2 month of forgetting that I have the absa chq account and I need to put in some money for the monthly service fee, telling me my account is a minus of R262 and I ask why so much no there is a penalty fee of R57. WHAT!!!! I ask why no one told me that,they said they only call after 2 month. O yes let make some f#*(! money out of this guy. BAD BAD BAD service atleast sms, email, letter telling the customer about the penalty fee and firstly tel them that when they open the account and not wait 2 to 3 month later after sitting back and making sum money for doing f%^@*ng no work. SO thanks for nothing.