After years with this bank I will now be closing my account

i have had this bank account for years and requested assistance from my private banker.

i planned to honor 2 x debit orders end of January due to a personal issues experienced this month. i do not have an overdraft and requested that this bank cover these 2 x debit orders in the mean time.

First response: "Dear Mr *******, Happy New Year for 2018. I received a message from the suite to assist you with credit application. Also do note, that there is currently a decline in offerings, as there was two unpaid debit orders noted, on the 29/12/2017. Our system will there for not offer any credit opportunities, until 6 months is clear, with affordability."

Second email : "I do apologies for the outcome.

I do value long standing clients, but when it comes to giving credit, they do need a clear record, to score.

All banks have a credit policy, which they have to adhere too, before giving credit.

You can either transfer in ****** today and advise me, as the daily close out balance, changes, daily.

I can then call you and do the card and Pin authentication, to close off the account, the private client cheque account."

Not even an attempt to call me and try and assist in ANY way possible.

Thank you FNB !

I will be closing this account.