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HERE I AM AGAIN. YOUR SECURE CHAT CONSULTANTS ARE INCOMPETANT AND I AM STILL AWAITING A CALL FROM THE PREVIOUS COMPLAINT. SO I REQUESTED FOR MY ACCOUNT TO BE DOWNGRADED - GIVING FNB YET ANOTHER CHANGE EVEN THOUGH I KNEW IT WAS GOING TO BE AN ISSUE NOW YOU DOWNGRADED MY CHEQUE ACCOUNT AND THE CONSULTANT SATATED MONTHLY ACCOUTN FEE R 7.50 NOTHING MORE OR LESS - FNB CHARGED ME R40.00 FOR ACCOUNT FEE WHEN I QUERIED THIS NOW THE CONSULTANT JUST SEND ME A FEE SCHEDULE - I WILL GO AND CLOSE HTIS ACCOUNT AND RID MYSELF OF THIS INCOMPETANT AND ***** OF A BANK,......................