Debited my account without my concern 3 times in 1 month for the 2nd time (*******)

For the 2nd time these people call me I made an arrangement with them but still they took R11 043.83 on my account on the same day, my monthly payment with them is R3 835.57 , last month I had arrears of they took them from my account including premium without me knowing claiming they called me etc, I had to fight then they refunded me but only half of the amount I didn't budget for, now they took my monthly premium of R3 835.57 PLUS R7008.26 PLUS R200.00 mind you I have debit orders to go through tonight they haven't refunded me up to now , still they will put charges on me for unpaid debit order whereas they STOLE MY MONEY..I am soo sick and tired with them I must always be afraid to have money on my account because of them as they just take it, I requested the Private bank side to stop debit order they said they are not allowed....I need my R7 008.26 NOW......infact I am about to live the whole of FNB there are so many banks I can use if they are ****** like this never where do I get R11000K that just go like that in one day....FNB is a disaster with their ridiculous charges........please assist on this urgently