FNB does not solve individual problems, but they sure will make you PAY!

I am stuck in a situation with this bank. Safe to say as it is right now i'm buying time till i finish paying back all my loans. Otherwise my relationship with FNB has definitely reached a point of no return. (If some other bank reads this please contact me because i intend on moving all my business to a bank that understands my individual needs). In a nutshell i have a host of products with FNB, my current issue is with them debiting on the wrong date. So they do this thing where they check when your salary comes in and decide amongst themself to debit the loans on that day. God forbid your salary gets cleared later , that means the debit order bounces and they penalise me R115. I have brought this up with them several times, literally using over 200 MINUTES OF ME CALLING AND CALLING. Guess what, nothing can me done for me. Now with all this debit on wrong day mess, there a payment that they requested early, which ended up reflecting like it's paid, but actually it wasn't. Now i'm sitting here with the account being in arrears. I'm constantly being threatened with double debit, for a situation which truly isn't mine. I requested them from day one to debit the money a day after my payday, just to make sure that the money is there. Their system, which they claim they have no control( utter **** excuse), just has to debit when it feels. This is so upsetting. Worst part is the consultants just aren't trained to escalate what they cannot solve, so as a customer you find yourself unintentionally going off on some poor consultant. As a society we should divest from FNB.