Charges every second day due ATM decline.

It's been 3 months since they can't explain to me what ATM decline in my credit card statement means. Every second day I get charged a R8. 00 for 10 intervals in a month and that adds up to R80.00. My installment gets debited and I pay the 21% interest which is suppose to be included into your installment asking with your insurance however, my amount remains in a negative amount and I fail to understand as to why this balance is not decreasing. So... Either you fix this or I change banks and I'll pay you once this is fixed and when all those charges gets reversed as I'm not paying for something I'm not doing. I regret the day I stepped into business with these guys as their consultants are also clueless.