Debited without authorisation

I took out a smart device with FNB and because i was unemployed for over a year i fell behind with payments.<br> I was informed my account has been handed over and i received counless sms saying they are proceding with judgement.<br> <br> on 26/02/2015 my FNB cheque account was debited with the amount of R1000 without my authorisation and without any arrangement or prior notice.<br> <br> i called the FNB smart device call centre for a refund and I spoke to an ill mannered call centre agent called Mandla Mutela, i asked him who authorised the debit and he told me they have the right to debit according to the terms and conditions which give no authority for the debit.<br> <br> the call centre agent Mandla even went as far as threaten me with a debit for the full balance of the smart device.<br> <br> i am so dissapointed and angry, i have decided to close my FNB cheque account tomorrow should my money not be refunded.