FNB HOMELOANS TOOK MONEY OUT MY CHEQUE ACCOUNT

ON THE 12TH JUNE 2015, FNB HOMELOANS TOOK MONEY OUT MY CHEQUE ACCOUNT WITHOUT MY PERMISSION. I HAD MADE AN ARRANGEMENT WITH THEM TO PAY AN OUTSTANDING AMOUNT OF R13000+ OVER 3 MONTHS (R4500 PER MONTH FOR THE NEXT 3 MONTHS). I WAS UNABLE TO MAKE THE ADDITIONAL PAYMENT OF R4500 AT THE END OF MONTH 1 AND COMMUNICATED TO THEM THAT THE PAYMENT IS DELAYED AS MY WIFE IS STILL UNEMPLOYED AND WE ARE NOT IN A POSITION TO PAY IT. I REQUESTED THEN IF I COULD START MAKING PAYMENTS FOR THE OUTSTANDING PORTION IN 3 MONTHS TIME WHICH THEY SAID THEY WOULD COME BACK TO ME. I AM STILL WAITING FOR THEM TO CONFIRM. I MANAGED TO THEN GET A PERSONAL LOAN WHICH WAS APPROVED AND I WAS IN THE PROCESS OF CONSOLIDATING MY DEBT AND DURING THIS TIME, FNB SAW THAT I HAD MONEY IN MY ACCOUNT AND SIMPLY WENT AHEAD AND DEDUCTED THE FULL PORTION OWING TO THEM EVEN THOUGH THEY SAID THEY WOULD COME BACK TO ME. ITS CLEAR THAT FNB WOULD PREFER FOR ME TO STAY IN DEBT BECAUSE BY TAKING THE FULL PORTION AND NOT THE R4500 IT HAS SET ME BACK AND WILL MAKE IT DIFFICULT TO CONSOLIDATE NOW. IM NOT SURE IF THIS IS EVEN LEGAL WHAT THEY HAVE DONE. THEY CAN CHECK ALL VOICE RECORDINGS FOR FURTHER DETAILS BETWEEN 1ST MAY - 12TH JUNE.