FNB debit card dispute Kulula

IT is with utter disgust that kulula have once again debited my account, all my debit orders to go off tonight will once again be returned, giving me a bad credit record and FNB will once again charge be for the R/D's. I have wasted hours on Friday morning contacting FNB who once again informed me they cannot assist I must phone Kulula and of course Kulula tell me to phone FNB. What a shame that 2 big corporates have to de***** hard-working citizens of their hard-earned money. 7 months later Kulula have done the exact same thing all over again, even though they advised me in July 2020 to get a new card and it wouldn't happen again.