Explaination Lacking Substance

I spoke to an agent recent regarding some questions I have regarding my FNB Home Loan.<br> The query I had was why an amount gets withdrawn from my available balance on the home loan until the debit order has cleared?<br> And why the full amount is not available for with drawl for a period of up to 5 days. ****il the Debit Order clears)<br> <br> The response I got from the agent was that this was caused done by the system. As if this I was just suppose to accept this. He could not explain anymore regarding this. I find this unacceptable. The agent should know the actual reason this is happening. <br> <br> And why are we as the client carrying the risk. The debit order amount has left my account. Hence I have paid that account. Any movement of the debit order there after is the banks responsibility. <br> <br> Finally, if this was policy. Then the bank should stipulate that you have to have a certain amount in your account at all times. Because with the zero balance, no money is taken off. Indicating to me that this is not a documented FNB policy.<br> <br> No where in the home loan documentation. Does it say this will happen.