Disgusting customer service

Good day

I have been under debt review Since last year. I was advised to open an account with a new bank and chose fnb. The consultant advised me to open a fnb premier account due to my needs etc. which I did. I do not have an overdraft facility or credit card or any other line of credits. As my expenses and debit orders have decreased drastically, I have been requesting since feb 2018 to downgrade to a normal Cheque’s account. I went in on march to be told that my request was not processed as yet and it takes 30 working days. I queried it again and eventually I was told there was noting proceeded and couldn’t be done. The agent then phoned someone at some other branch to query and I had had no other credit facilities it could be done. This was on May 25. Since then, also being told it takes 30 days to process and after querying it numerous times, I was called today that it cannot be downgraded due to a risk 4 or something. How is this possible. I have no overdraft or credit facility being used, I am under debt review which means I don’t have the money and I am forced to keep and a premier account open and pay that amount. How does fnb justify this!!!! This is ********* and Ridiculous and ur lack or service and logic is just mind blowing.