FNB Homeloans Private clients disappointment

Fnb home loans took almost R40 000 of our homeloan money for relocating and cancelling our bond before 5years. My husband and I have a private clients homeloan account and our precious homeloan was with FNB we relocated to another city and didn't even request assistance from a bond origonator due to our "loyalty" towards fnb and all our accounts being at FNB. I have sent a notice for bond cancelation months prior to selling the house. We paid a R3 000 bond cancelation fee and a R6 000 registration fee additional by remaining at the same bank! Not at any stage were we informed of the high penalty that will be deducted and at no point was the these terms and conditions explained to us. When we registered the new bond and I questioned some of the clauses the bond attorney appointed by FNB actually made a remark in writing to the other lawyers that she struggles to understand why I am questioning the clauses and its not if I will understand what I am signing? Isn't there some sort of law protecting the general public without law degrees in such instances, where terms and conditions are used in a companies favor taking your hard earned investment money? Super disappointed if I can move to another bank I will but I can't afford to lose money again for "canceling" within 5years