FNB Disability Query

Query with FNB. I have sent through a claim for Disability that was accepted on my Credit card and Revolving Credit Loan. I phoned and queried the disability cover on my Overdraft and the lady I spoke to insured me that they will look into the matter. In the meantime, I had debit orders going through the account for the revolving credit and FNB Life cover that did not go through due to me not receiving any income. Now FNB is charging me R110 for each debit order that was declined? I am also unable to stop Debit Orders for Direct Axis and Call Direct I have emailed and called them, with out any luck. And here also a R110 charge for each debit order that did not go off my account. FNB is aware of my disability claim and loss of income but they are still claiming bank charges and defaults on debit orders and this is raising the debit balance on my account. I had a phone call from another lady at FNB with regards to the debit balance and I explained the situation and asked her to also look into the disability claim. She just told me that they will proceed with Legal Action seeing that I cannot make any payments. I have been a customer with FNB for at least 21 years and this is the assistance I get from FNB. I took out the debt protection cove, one would think the deferent bank departments will communicate with one another, or at least see the notes on the system.