FALSE ADVERTISING PERTAINING TO DEBIT ORDERS

I have app**** for my platinum cheque account moving my account from ABSA to FNB via the online option. <br> <br> FNB make promises they cannot keep. I was told that ALL my debit orders will be transferred and that I do not have to worry about doing that myself. <br> <br> I have noted that ALL my creditors is calling me due to non payment of my accounts. Some has raised penalty fines on my accounts for debit order returns, and like my insurances has lapsed. <br> <br> Due to my insurances that lapsed I have had no insurance since the 28th of November and had an accident on my Iphone over the weekend where it dropped and my screen cracked. <br> <br> I want to know what FNB is going to do about all the penalties which has been loaded onto my accounts due to FNB that cannot keep up to their promises and more to this, what will FNB do to my cell phone which is damaged an no longer insured?<br>