***** courier, stuck in emergenc. No Help from FNB

My FNB Credicard jstopped working.Called private banker Boniwe Mtebula) is never available, so I asked for a new private banker, Boniwe suddenly phoned back. I asked what is wrong with my creditcard. She asked if they need to replace the card. I sent and mail (07/03) saying yes FNB can replace the CARD. I asked it be replaced ASAP,need the card before11/03 for an emergency. Courier contacted me ,they can only deliver it on 11/03.Agreed on address -Wilgers Hospital@13:00 (living 200km away).Courier never arrived nor phoned. I was stuck without card in an emergency. After phoning, FNB told me there is nothing they can do, it is the courier's problem. I then tried to transfer money from the credit ACCOUNT to current, got error. So I phoned private bankers, couldn't get hold.I cancelled the new card,couriers had it and pin, no idea where they are afraid for theft*****). I phoned lost****** cards, got hold of Jeanette (holding the line for more than 30 min.)She told me I'm not a private client (I am for almost 3 years). I enquired why my account wasn't working, she said Boniwe cancelled my card and stopped my account on 08/03 without my knowledge. I asked for help said o make a loan.