********* business practices

I have been a FNB customer for a very long time and i am also a prestige customer, My issues with FNB started maybe two years ago when they unilaterally decided to reduce my overdraft resulting in many declined debits which atttract a fee of R200 per transaction, i queried this with my private banker and even the branch, they did manage to reverse some and thereafer they now seemingly refuse because my credit score has taken a dip. but the reason my credit score has taken a dip because fnb reduced my overdraft causing declines which negatively affect my score. Besides that my revolving credit debit order magically removed itself and was no longer debited resulting in problems for me because i forgot to reload, however it was not my responsibility to reinstate something i did not cancel as it is the fault of FNB. This caused more charges to be added and then every month FNB decides to double debit for my funeral cover which causes more charges. The debit goes off twice every single month and i dont know why. My bank statements show this. I am very disappointed by FNB and i am thinking of moving my bond and all my business away from FNB because i am a prestige customer and i dont know how FNB can reduce my overdraft without my consent causing me to incur thousands of rands of additional cost, i await your reply