FNB headaches

I have a business and a personal account with FNB, Sabie branch. I find the staff there quite helpful, so I cannot complain about them. I believe that my problem is with the bank itself. For as long as I like to remember, I have a problem with someone trying to withdraw money from my account without my permission( declined foreign T457896*3255 and possibly other. I know of some instances where I made some online purchases, and I am 100 percent certain that they are not involved in this. I went to the bank and it was stopped for a while. But recently the ugly thing reared its head again. The sad part is that for every failed attempt at *****ing my money, FNB charges me R8.50. Now, I am unemployed. The business account is only 'business' on paper, which I am struggling to service. On the 15th of June(give or take) I went to the bank to have this problem on my personal account solved, and also to have my monthly banking fees sorted out.(all alongthey were charging me plus minus R5 pm and suddenly I had to fork out R58 or so. By the way, my wife had a similar problem with FNB and she ended up leaving the bank). In the bank the lady went out of her way to help me. The 'Declined' thingy was blocked(she showed me on the computer screen), my banking fees sorted out and I left the bank with a smile. At around 23 June I had a balance of R18.05 in my account. On 25 June, 6 attempts were made to withdraw from my account. On 26 June, 2 times. 29 June,2 times. 1 July, 5 times. 2 July, 2 times. And now I "owe" the bank almost R130 rands.Twice now within a few days they have sent me two messages informing me that my account....078461 remains overdrawn. "Failure to make a deposit may result in FNB commencing with further action". And that after they have "blocked" my card. Now, who owes who? I the past I have paid up the R8.50's, but not anymore. I demand that you sort out your mess and refund me what you owe me. And guess what FNB? I have managed to "soft block" the thingy myself from your banking app and since 3 July all attempts to ***** from me are failing. Please sort this thing out. I do not owe you, you need to refund me. My account number is ***