Debit Orders

There are debit orders that go through my account..and every 2nd month that is i have to call in and cancel those debits..i feel we as customers are not protected by FNB and furthermore it is very costly for me as a customer ..they charge a debit order fee and then again you pay a certain fee for that cancellation that you did not authorise in the 1st place..today was worse because FNB was offline the whole day, which means i cannot reverse the dubious debit order and they only tell you after 15 - 30 min of holding the line..Very Bad service for a banking institution that chrges for much...