Cannot cancel revolving loan

Good day,

I am writing to complain about service fees that are being charged to my revolving credit plan account - which is linked to my premier cheque account .

On the 7th March I app**** for the revolving credit account to the value of R30000.00 based on information on the website that says ONLY PAY A MINIMAL MONTHLY FEE WHEN YOU USE THE LOAN. On the 7/3/2018 i was charged a R150.00 initiation fee which I settled immediately. I have no problem with that. But on the 31/3/2018 an amount of R52.95 was deducted from my cheque account via debit order for a Pro rata service fee on my revolving loan account. On 3/4/2018 I went into the Mall of the South FNB branch to query this and the customer consultant confirmed that I should only pay fees if I have used the account, which I have not - no money has been transferred from the revolving loan to my cheque account. The consultant tried twice to speak to the credit department and she told me that both times the phone was put down on her while she was querying my problem. I have subsequently requested a cancellation of the revolving loan facility (Ref ********** )and would like the pro rata charge and the initiation fee (Total of R206.95) refunded to my cheque account as I feel that FNB was not clear upfront on any potential charges. This issue has cost me time and money to go into the branch to try and sort this out and even they do not seem to understand the product and cannot effect any work on the account - they say they have to contact the credit department (If they do not put the phone down on them). On the 30th April I was again charged a monthly fee. Please cancel this facility immediately.

I await your reply on this before exercising my right to take this matter further and explore other options.