Honor fees

I have had honour fees charged to the amount of R944. I queried this as it has happened before and was duly rectified since the problem was with merchant's doing banking late. The same problem now exists and I have requested for the fees to be reversed, however FNB has been silent on this. My problem with this setup is FNB will charge in honor fee of R100 on a transaction of R45...make it make sense. I have also asked that FNB no longer honor payments, if there are no funds, let it sit in a negative until funds are put back into the account. You cannot charge a client money for not having money but more to the point, if a client makes a purchase today and the monies are deducted from the account (incontact sms confirms) and the merchant only banks a week later, you cannot penalise the client. In todays economic climate, these excessive fees are disastrous especially because one has not budgeted for it. Perhaps someone else can review the request and make a decision.