FNB Service delivery

Poor service yet again by FNB Navigate Life. Renewed one of our business vehicle's license disc to avoid standing in queue. Paid for the service via the FNB and was told it would take 14 days to be delivered by courier. After more or less 14 days the courier service delivered the renewal document but without the disc. Another form was included which said that they would not print the renewed disc for four reasons, one being outstanding traffic fines. We have 4 business vehicles for which we renew license disc annually. I usually go and stand in the tireless queue at the license department to get it done and each time's been successful. This time around I pay for a suppose-to-be effective online service by FNB which should avoid the queue standing problem but now I need to go to the License Department in any case to see why they would not print the disc. What's the point!!?? FNB should instead inform you prior to you paying the fee for their service that your vehicle's license disc can not be finalised from their side due to whatever reasons. Very frustrating as I'm heading to that horrible queue!