FNB - HOLD ON MY ACCOUNT - CAN'T RESOLVE

I went to online banking after being paid and tried to do transactions only to find that my current account had been put on hold. I never received any notification. Now I am trying to get this resolved and I am told that it could take up to 5 - 6 days to sort out. This is my money and my life. FNB took what was owed to them (loan) and decided that MY money I cannot touch. They required compliance documents. I eventually found this out and sent my documents to 3 email addresses they provided. I was advised to phone a certain number to get it sorted out, but that number is so busy you can't get through. I was on the phone for 20 minutes just to hear the recording that they apologise for the high volume of calls they are experiencing. I don't know what to do now. I am going to try to phone them at 8am today. Why can't they warn you and tell you that you are required to produce compliance documents and if you don't your account will be put on hold.