SHOCKING AND INCOMPETENCY SERVICE

FROM A SAVING ACCOUNT TRANSACTION: DECEMBER 2012, I DONE MY SHOPPING USING A MERE SAVINGS CARD. EARLY JANUARY I WANTED TO MAKE A CASH WITHDRAWAL TO RETURN FROM MY HOLIDAYS IN TZANEEN, ONLY TO FIND THERE WAS NO MONEY LEFT. WHEN MAKING AN ENQUIRY WITH THEIR BRANCH IN BOSMAN ON MY ARRIVAL, I WAS INFORMED TO PHONE THEIR HEAD OFFICE WHERE I GOT INFORMED THAT I OVER SPENT. ON THE 27 JANUARY AFTER RECEIVING MY SALARY I NOTICED DEBIT TRANSACTIONS FOR ALMOST ALL I HAD. I HAD TO PAY ACCOUNTS, RENT AND SCHOOL FEES, BOOKS, YOU NAME THEM. CALIING CAPITEC FOR ENQUIRY, I WAS INFORMED THE DEBIT WAS MADE AS A RESULT OF MY AREAS AND I SHOULD MAKE AN ARRANGEMENT TO RE-PAY THEM. WHILE CONFUSED, MID FEBRUARY, I RECEIVED AN SMS NOTIFICATION WHEREBY THREE SUBSEQUENT CREDIT TRANSACTION OF R1150.00 WERE THROUGH WHICH WAS STILL INSUFFICIENT TO WHAT I EXPECTED. PHONING TO ENQUIRE, IT WAS EVEN WORSE CONFUSSING. THE CONSULTANTS IN HELP DESK FAILED TO EXPLAIN.. I THEN DECIDED TO STOP USING SAME ACCOUNT AND RE-DIRECTED MY SALARY INTO ANOTHER BANKING INSTITUTION, SINCE I DIDNT FEEL SAFE TO USE THEIR FACILITY. NOW CAPITEC STILL INSISTS I OWE THEM AND THEY ARE TAKING ME TO THIER LAWYERS. PLS PLS HELP!