Abuse of customer protection act

I have a cheque account and credit card account with FNB. My cheque account is in overdraft and my credit card is in areas. I was hospitalised until today.<br> I had no access to my accounts. When I switched on my fone I received a notification the carg collections deducted every cent from my account without my concent and without notifying me prior to that. <br> This has transpired a few times and every time they cannot answer my questions to my satisfaction.<br> Even when I cancel debit orders the just pay it to creditors regardless. I contacted the premier banking and they informed me that if you have any other account with them they will deduct from your account as and when you wish. I don't remember agreeing to any of this as my account was opened online. I also believe that they are in violation of the consumer protection act.<br> I want them to reimburse every cent they sent they ever took from my account. I tried to speak to a manager at card collections and was on hold for about 1<br> 15 minutes. I want them also to explain why debit orders by wesbank cannot be reversed and where is that stated when you open an account. Thry must please provide a copy of the recording when opening the account