FNB is failling its customers

I wouldn't advice anyone to bank with fnb,I just paid over R900+ on bank charges for late payments for instance a life policy of R401 is charged R301 for the debit odder not being paid if one couldn't meet the payment how do they think you will afford to pay it R401+the R301 charge at thee end of the month also they char R105 for a missed debit odder each time they try to collect it morethan once.When you speak to their consultants they end a chat with you an say you are not responding when you have been responding?I was assisted by Nokuthula this morning an I am not happy with how she ended the vhat on me.Ithink it's time I looked for another bank people at my work place arr right when they say they have left fnb because it always makes negatives that don't make sense.I still don't have a clear understanding of what I paid R900+ for