Entrapment/possible *****/possible *********

<p>On January 5th 2017, I recieved 2 smsses that 2 lots of money had been transferred from my savings pocket (accordng to FNB no one but the holder is allowed to take monies from the savings packet as it is a type of investment account). So i went to the bank to query the charges. The gentleman at the bank that assisted me investigated into the transactions etc. and made the neccessary phone calls and eventually got back to the collections department. He handed the phone to me, and when i spoke with the lady, she told me straight and i still repeated myself to confirm what she said, and she told me over the phone that yes she is aware that they deducted money from me without my permission and that it was done on purpose, that until i make a payment arrangement with them, i will not recieve those monies. I then recieved a phone call from the loans department as i was told those are the channels i need to follow. The guy was talking to me, and he told me that the loan was going to prescribe in June 2017, so now by me contacting fnb i confirm the loan etc. and that the period re starts again. I then thought back to my conversation with the collections department who said it was done on purpose, was actually entrapment. This was all done to get me in to acknowledge debt etc. not once did i deny it and if my intention as the loans department said that i was waiting for it to transcribe, why would i 1) go query the amounts deducted 2) acknowledge that i took out a loan. (he stated people take loans and wait for them to prescribe), which i felt he insinuated that was the reason for me not pahng the loan. He then turned around and told me that i cannot put all the blame on fnb regarding the communication between fnb and myself about monies owing. When i no longer was working, i contacted fnb and i informed them that i was no longer working and that i cannot afford the repayments of the loan. i did not hear from them, at all since October 2014, now all of a sudden my savings pocket gets debited. This gentleman in the loans department told me that he will pull all the recordings, then send it to their risk department to go through the recordings, and then he would forward them to the branch where i can collect them from. due to the way FNB collections department acknowledged it was done without my permission and that it was done on purpose and that i will not get my money back until i make a re payment arrangement, and the confirmation the loan was going to prescribe in June this year, tells me this was entrapment and possibly ***** as well as now trying to black mail me by stating they will not return my monies to me until such time that i make a payment arrangement, now i am expected to believe and trust that FNB will not delete certain conversations, or edit certain conversations before sending me the voice recordings. By it going to the risk department first, tells me that FNB want to cover their tracks before submitting the recordings so that should something be out of place in them where they are opened up to legal proceedings they will withhold those specific conversations. Yet i repeated yesterday and it was confirmed that the monies where deducted without my permission and that it was done on purpose that it was going to prescribe this year, and that they will not return the monies they deducted until a payment arrangement is made. ( i will make a payment arrangement due to the fact i started working August 2016,again) but only once those monies are paid back to my account. I told them the monies need to be back in my account by 12pm midday today, if not i will be closing my accoutns with FNB and moving. How am i supposed to trust a bank that is prepared to entrap a person ********ly deduct monies from that said account, acknowledge it was done without permission etc. I have lost all trust and faith in FNB. FNB closed my cheque account due to no monies going into the account due to me not working. Fnb Tells me that although i did not recieve any paperwork/letters etc. from the time i called them to tell them i was no longer working until i started working in August 2016, that i am to blame as well for this. I am shocked and disgusted and i will be taking this matter further and i will get more advice from lawyers and take it further, if the bank ombudsman does not resolve the query as to what transpired 05 January 2017. </p>