FNBY Overdraft

I recently had a debit order charged to my FNBY account, of which there were insufficient funds available. Nonetheless, the debit order of around R500 was debited leaving me in an overdraft of which i immediatly paid, which left me at a break-even point. FNB then decides to charge me (a youth account client) R200 interest on my overdue payment and debits that immediatley, leaving me in yet another overdraft. I pay that immediatley too. This second over draft has now left me in debt to FNB of an additional R90 on interest on overdraft. I am an unemployed student and i cannot afford to be paying money for an overdraft that never should have happended because I DO NOT have an overdraft facility. I have since spoken to someone via the chat platform on the FNB app, who proceeded to ignore my ever concern and just point out that i have no money? I have been explaining to her/him that I do not have an overdraft facility so no money should have went out, and as per other Hellopeter reveiws on FNB on the same issue as mine, I should not be having to pay these huge amounts of interest again, on an overdraft that should'nt have happened. The consultant then proceeded to put through a request for a fee reversal and could not give me clarity as to what exaclty was being reversed. I am honestly appalled at the way I was spoken to and the way this situation was handled by the consultant I dealt with via the FNB app.