Being charged for a negative balance

<p>I have a premium cheque account yet get charged R110 x 2 for a negative balance. I have multiple account linked and a savings pocket with positive balances why do I get charges 2 x R 110???</p> <p>Payments pending are suppose to be taken into account on the available balance. The Mobile app showed that I had a positive balance and when the pending payments went through it left me in a negative amount, now I am charged R 110 x 2... why twice? Premium Bankers cannot advise why and said they would send a request for reversal but there are no guarantees... ***** that! i do not have access to anyone in authority that can justify or advise why their systems are the way they are... </p> <p>How do I get answers!!!</p>