HORRIBLE SERVICE

Horrible, I have been banking for more than 15 years, Had three loans which I have never missed a payment not even once... So I app**** for them to consolidate, loan approved at branch (with lower installment amnt than the 3 combined) later receive communication that it is declined due to affordability (how coz the new installment is less than the 3 installment which I have been paying all along without a problem????)... I go to another bank they approve for the same amount and terms... The loans are settled... But FNB decided to go ahead and still debit the installments??? And now apparently they can't pay money until after 4 days, how am I supposed to live with in the mean time? Horrible bank... I am moving everything including transactional account if this is not resolved...