Frustrated

So FNB refunded me with R1094.18,but I am still not happy because FNB deducted R4025 in total for the last two weeks. The following was amounts were deducted from my account:- R2.188.37 - 2019/05/03 R8.50- 2019/05/13 R673.05- 2019/05/15 R491.50- 2019/05/16 R673.04- 2019/05/17 So my question to FNB is when am I going to get the rest of my money back? When can right of set-off be used? A bank can’t take money from your account without your permission unless the following conditions are all met:

The current account and the debt are both in your name. The position is a bit more complicated with joint debts and joint accounts – see below The current account and debt are both with the same lender. A bank can’t take money from your account for a debt with a different company The debt they’re taking money for is in arrears. They can’t take money by right of set-off if the debt repayments are up to date They’ve warned you clearly in advance that they may use right of set-off if you don’t contact them or pay back your arrears They’ve taken your individual circumstances into account and whether taking the money might cause you hardship In practice it’s very rare for banks to exercise this right. However, if your bank has used right of set-off they must contact you to explain how you can avoid it happening again in future.

If you’ve been contacted by your bank to say they may use right of set-off, this is a sign that you’re in financial difficulties and you should get advice. So I have read this and understand what is said and you guy's didn't follow these steps. I am looking at my options and going to contact the Ombudsman. Then the NCR and speak to Mrs L Ledwaba. Should I not come right by any of these places, I would at other options,like legal advice and media.