Additional bank charges

I would like to know why I was charged R16-00 bank charges to my account when i had made a payment arrangement with a telephone consultant on the 19th of August 2015 to make a double payment on the 26th August 2015 which is the date that i get paid on. I received a confirmation SMS the very same day at 10:29 (FNB :-) As per your telephonic commitment, we are expecting a payment of R1626.00 on 2015/08/26 on your Credit Card. Thank you).<br> Why did FNB try to debit the same amount on the 22nd? now I have -R16-00 in my account because they tried to debit my account before the agreed date, shows that they are ****** they want to charge me extra knowing very well that it would bounce back.<br> I have been using this bank for over 5 years and they know my pay date very well. I want the amount credited back into my account. This is not the first time they do this, i am tired of their sneaky ways.<br> <br> R16-00 might seem less but it makes a hell lot of a difference<br> <br> A response is highly appreciated<br> <br> regards<br> Prudence Herling