disappointed at FNB overdraft procedure

Hi FNB, my husband is going under debt review - he is unemployed, but because we are married in community of property my name is also affected, but I am working fine, and I pay my loans etc. I would have prefered if FNB could have allowed me to pay my Overdraft off and make arrangment to have it reduced monthly instead of removing the overdraft in one go. I had no idea this would happen and now because I am not under debt review, I did not put any of my loans and priorities under the review so I still pay my creditors, as normal and this month I couldnt , I had to now ask my husband to borrow from someone and put money in my account - which I dont even know how I will pay that person now. I am so dissappointed , I know you have rules, but in order to be an understanding service provider , my bank, you are supposed to help me not make things worse