from R600 settlement to R1921

I got a smart device from Fnb through my platinum acc in 2013 May. 4 months later I lost my job then I realised that I needed to cut some unnecessary cost. So when to fnb to ask that my platinum acc get closed and open a savings Acc. They told me they could not do that because of the smart device that I am paying off. So they downgraded it to a gold acc.. 20 months of paying faithfully the acc. I missed to pay the last 2 payments to settlment, fnb hands over my acc to legal. The settlement amount went from R600 to R1921. No one from fnb device contacted me to advise on the steps being taken regarding this device that is almost paid up. Today I went to the bank to do 2 things, settle the device and close that cheque account that is in negative just to realise that the money I have put in the acc for the last 2 months was not used to pay debit orders, but to pay for fnb charges on unpaid items of R1400. Consequently, my lifecover cancelled, insurance on divice cancelled, device repayment handed over to legal with R1321 extra cost. PLEASE HELP!!!!