Bank charges extremely high and unfordable

FNB BANK CHARGES IS EXTREMELY HIGH. FNB DID CHARGE ME AGAIN R115 FOR A DEBIT ORDER THAT DID NOT GO OFF AS SOMETIMES PAYMENT OF MY SALARy is on different times. IT IS REALLY UNACCEPTABLE HOW FNB BANK CHARGES ARE ESPECIALLY IN THIS DIFFICULT TIMES. I EVEN ASK FNB TO ASSIST ME WITH MY PERSONAL LOANS TO REDUCE THE INSTALLMENT AS MY WIFE INCOME HAVE BEEN CUT extremely as we are married in community of property we share the bills but FNB response was that I did not list my income. Each month They will ensure that their payments I own them will go off first and then all my debit orders that do not goes off will be charged R115. Then they will also charged interest on my bank account as all the R115 will put my overdraft far over the limit. AND THAT IS HOW THEY MAKE MONEY OUT OF COSTUMERS AND IT WILL GO ON UNTIL YOU CAN AFFORD NOTHING ANYMORE. AND THEY WILL NOT EVEN COME WITH ANY SOLUTION