FNB refuses to downgrade account

I recently lost my business, and we lost everything. We had to downgrade and move, and file for debt review. Fortunately a family member came to our rescue and helped us to not go the debt review route so we canceled with them, and we paid off all the banks that we owed money to, including FNB. However, I have device that I bought from them and I tried to arrange a debit order on my new bank account, which they have refused. I have asked them to then please downgrade my account to just a savings account as I am not going to be using them for banking, and seeing as the monthly bank charges with them are monstrous. They have not done that and I now have to not only pay the R398 on the device, but also the bank charges which amount to more than R400 per month. These banks are quick to take your money when it is going well, but when you are in trouble, they refuse to help. I paid over R450 this month to cover the device, as well as other charges and they were quick to take off R271 which means I have to pay over more money to cover the device. I will seriously never do business with FNB again.