FNB Loans Department USELESS

Honestly never been so fed up with anything as I am with FNB Loans.

I called TWICE in the space of TWO MONTHS for them to change my debit dates to the last/first day of the month as thats when I get paid (which they didn't do after the FIRST call and now I have to pay OVER A THOUSAND RAND IN ARREARS). They then debit the arrears without warning IN THE MIDDLE OF THE MONTH, which I then had to fight for a refund and tell them to debit me at the end of December. And then today, they just decide WITHOUT ANY CONFIRMATION FROM ME that they can debit me early for one of my loans. Are you people thick? Do you think I ask for debit dates to be silly? Now i had to waste my airtime AGAIN to get refunded. This is pathetic and useless service and I am still beyond mad that I have to pay for the arrears on this account because of YOUR ERROR.