FNB decides to debit my account without authorizat

Reference - ***.Today - 27th October 2015 at 10:31am, Today My smart account with R1830 without my consent or authorization. When I called FNB Call Centre, I was transferred from pillar to post - no assistance at all and everyone stating that they cant reverse the amount in question - i need to speak to legal department. I then decided to visit the Germiston FNB branch where i waited for over 20 mins and there I was referred to the branch manager who tried to assist me by calling the CARD division. When he managed to get though to the CARD collection division, a consultant by name of Lindi answered the phone advising that yes , they debited my account because you missed one payment of R200 therefore the Card system automatically decided to me with R1830. The consultant did not even care that part of this money was going to be used for months unveiling of my mother's tombstone who passed on last year December. When I told the consultant that i have been banking with FNB for close to 20 YEARS, he didnt careand advise that i can take my business else where should i wish. I then requested to speak to Chris Rodrigues who also gave the T&C and that they will see