FNB is just a Legal ****mer

I get shocked by this ****ming bank and not Surprised that they were highlighted in parliament this week regarding their actions. FNB chose to not debit my account for a personal loan after I made it clear I do not want a January payment break of which I have written proof. They indeed when ahead and did not deduct the instalment but continued to charge interest for that month along with insurance and service fees. This means that the capital balance increased and they will make more money on interest as the balance has increased. This is against the very contract agreement and this is pure legal theft. The repo rate has reduced and our bond interest rate remains unchanged even though we are on a variable rate yet they increase the instalment. How the hell is the First Rand Bank Group getting away with this. Is the NCR, Ombudsman, Banking Association of South Africa, Reserve Bank all scared of FNB. This is simply *******..........