FNB- How can we **** you!!!!

After having financial difficulties I had no money in my account to pay my direct debits, so FNB because my direct debits fail charge me a WHOPPING R138 for EACH AND EVERY DEBIT ORDER THAT FAILED????? This is completely unaccebtable as FNB has not paid for anything yet I am being charged ridiculous amounts for nothing??? Is this how you treat your customers? To try and **** them when they are having financial issues and score from their suffering?? What kind of a Bank is this, especially when Capitec charges R4.50 for the same problem????? Talk about taking food from the poor