FNB Debits Loan Early and all goes South for Christmas...

For the first time not happy with your service. You just deducted debit orders from our account when the salaries haven't come in...that money was meant for a rental lease deposit and now we have to borrow money otherwise we can't secure the lease...why do debit orders come through before the salary dates? Just because there is cash doesn't mean you must take it or it's yours...that's *****ing!!! Did the call to dispute and reverse the payment… and now your system shows that we have missed a payment and that is affecting our credit rating...even though we have called you and asked you to do the debit order after the salary had come in...So now it is our fault and we are being punished for not having the salary in on the 14th. You guys are freakin *********** and inconsiderate bullies and frankly wondering why we both bank with you...Now it's the holidays and we are being told that we can only get a credit card increase on the 29th of January because we "missed a payment"...This is not the incompetence that one easily forgets. We have paid that loan religiously every month every year...and now we will also not get a payment holiday in January because you guys are *********** and want to deduct a debit order from any amount that is sitting in the account. I have never experienced such ***********, bullying and lack of professionalism in my life...You practically ruined our Christmas and New Years. Now we are stuck and cannot get any loan from anyone because you have damaged my credit rating...