FNB - Disgusted After being **********

I have been with FNB for many years and had absolutely no issues with them until I realised the ******* they really are. I had a personal loan with them which I settled in full with the settlement amount they provided me with on the day. Alarmingly a few days after settlement the took a direct debit from my account. I called them for a refund and was told they cannot see the Direct Debit. I called the following day again and they reversed my money but charged me for the reversal (even though this was an error on their behalf) and interest on a 0 balance. To make things worse, they took another direct debit from my account yesterday. I called up to query this knowing that I have no debt owing to them and after waiting over 30mins just to speak to a consultant I had to deal with an unprofessional agent who disregarded my every reason to be upset as my hard earned cash was taken. Needless to say I had no resolution to my query and by then R200 airtime was wasted. They didnt even bother to call me back. This morning I woke up and yet again another direct debit was taken leaving me practically with no money in my cheque account. I am now left trying to get hold of them again telephonically and it's already been 45mins with no response. All I now have to deal with is being told by an automated system that they are experiencing high call volumes. I want to cancel all my products with FNB as they clearly don't care for their customers. I'm not surprised that they experiencing high call volumes can only imagine how many people are calling in to fight for their money.