Home Loan Double Debit & Slow Lounge Fee???

<p>I have a "platinum" cheque account, credit card and Petro card, whats known as a "bundle client" I also have a home loan, personal loan and overdraft through FNB(I was basically forced into upgrading the account but thats another story?- in Dec 2016 I received an sms from FNB asking if I'd like my home loan to go off early due to everyone getting paid early in dec, I thought, why not seeing as im travelling it would be good to get my finances in order before leaving- so I rep**** with the 17th as a date for the debit order to be deducted, this did not happen, the funds were deducted on the 23rd and then again on the 28th of Dec- leaving me with no funds and an unpaid debit order (which i was still charged a fee on) while i was out of the country- secondly, being a "platinum bundle client"- I assume I had access to the slow lounge at the airport- upon walking in the doors and asking what is required for entrance the lady simply said your credit card she then proceeded to swipe it as well as my wifes (same account types) and said I could go in-- only to find i was charge R500 to my cheque account (with a refund of R250.00 it seems) - I was not informed of these charges- what is the point of having these accounts if I still need to pay? FNB are a bunch of ************ at the end of the day- charging interest on accounts after the 20th of the month- knowing there are no funds available and then charging fees on top of the interest. </p>