FNB is a **** bank - Stay away

Please assist, I opened a funeral plan in April 2025 my first debit order was supposed to go off 25 April 2025 but there was insufficient funds in May June July Augst 25th insufficient funds again i was convinced that the policy has lapsed and is closed but this morning i received money in my bank account and as i was trying to make a transaction my account declined for insufficient funds. what nonsense is the debit order mandate for this first of all i never even accepted it but you still try to debit for 5months you kept debiting, and it always failed until this morning on the 28/08/2025 when my account was debited twice. why? the debit order already returned unpaid on the agreed date 25th of every month why is my account being debited on the 28th I did not agree to this if i wanted to pay off my arrears i was going to call and make arrangements who gave you the right to take my money. i want it back all of it. i am also sending this complaint to the Ombudsman.

I was assisted by the call centre manager Amanda who advised that nothing can be done to reverse these deductions as according to my policy agreement they are allowed to recover arrears anytime they want.