Annoyed by fnb service

So I am on retrenchment and have submitted the documents to fnb a month ago since I have a personal loan with them so the insurance hAve started paying my personal loan immidiately.Yesterday the 26th febr I have transferred money into my cheque account for the other stuff FNB loans went through to my money and have debited again the personal loan amount which was already paid a day ago by insurance. I went to the bank today to have them reverse the money I have never battled like I did today.They phoned personal loans department which I got different stories and no help anyway.And I was transferred to another consultant on the same call,the other one was unsure but have promised that the money will be reversed in 7 days and hell no I have to pay rent with the money 7 days meaning I am out.Imagine I am unemployed I couldn't borrow money at all. On the other side I have purchased some items at Pick n pay on the 23rd the money went through immidiately I received notification same time.When I open fnb App the amount still says PENDING and I knew they want to charge me R120 for an unpaid items on the 26th like I said I was charged R120 for the items I purcahsed at PNP the other day their reason I didn't have funds in my account this is happening every month I use fnb cheque card.funny enough I have 2 other bank cards with another banks this has never happened I use my cards without any worries to purchase anywhere but once I use FNb one I'll be told there insufficient funds so I will be charged R120 per purchase made??.Today I showed the stuff at Pretoria North branch the proof that the money went through on the same day but they were arguing accusing PnP that it's them who does their banking later but why fnb only not capitec not Nedbank to name the few. I have banked with FnB for more than 10years but I am so hurt and disappointed about the money that is taken every month from my account So I came back with no answers and no help instead the lady as well that was phoned on the Private cheque account was clueless and she could not help and have protected her bank so I am the one who is telling lies. So I asked to be downgraded to an easy account so they took me to Gold account first so immidiately I paid monthly service fee?Which I paid a previous week ago already so again they made me pay another one?So is this bank for wealthy people?I am stressed every time I leave money in this cheque account I know following day the balance would be decreasing.Shame on me that I have been this victim and have kept quiet because I have been a loyal client. I still have a question why is this happening?and why is it taking 7 days for me to receive my money and yet they debited it without my permission?I am so annoyed really with all the service I have received today.