Croocks!!

I have a private client account with FNB. 1. When you send an email to the so called Private Banker they don't even acknowledge your email or respond, and since I opened the account, on 50% of the occasion the banker was not available, as a result my debit order was dishonoured and cost me a whopping R100. What is the point of paying R360 per month for a private banker who is never available? 2. How can it be legal that FNB can charge their R110 for every R10 that is in excess? Was charged a whopping R1320 for R120 that was in excess from Toll gate, even though when I swiped my card at the toll booth my account had funds!! 3. I want all my money refunded, failing which, I will close the personal account, close my business account and lodge a formal complaint with the banking ombudsman, I am sick and tired of the legalised theft, this is theft from hardworking south Africans, this is not acceptable!!!!