Bank charges

Despite lodging a complaint last month with FNB about their exorbitant unreasonable charges, this month again I am faced with the same problem and this time I am writting to the Bank ombudsman if they fail to pay my money back. After the charges last month for which they refunded I called FNB to confirm what was going to happen with the failed debit of their cr card, I was told the amount of about R2600 was to be debited on the 20th, Ieft enough money, I was suprised they went to my acc on the 23th to take R1330, and it bounced as they confirmed by sending an sms yhat R2600 was to be debited I had less amount left. Again my salary is paid on the 20th to FNB account yet they always debit very late for the revolving loan an amount of R204, it they dont get the money they charge me R138.00, this can not be right. For the last 3 ,months I have been charged over R2700 by FNB in charges alone for one cheque account, I have settled the cr card and I expect it to be closed, I wanted to close the cheque account and make an arrangement to pay back the overdraft I told this is not possible, I guess I have to ****** by FNB until i settle the overdraft, I dont want the option I am on,