I would avoid FNB if you want good service

FNB, again I am sitting with the worst service. I am trying to get a hold of someone there as I am out of the country at the moment and unable to access my account online. I did go to an FNB ATM to verify the card/account and recived a slip saying the traqnsavction could not be completed. Another thing is I was paying a loan off with you via Ver-tex. We paid this through a link on the Ver-Tex email that was sent out to us. I've ended up paying way more than was required as the funds went into a PayU account and was never transferred to Ver-Tex. How do I get these funds back? I've tried calling from abroad but the call keeps getting cut. You have debt collectors after me but how can I pay when I don't have access to any of my accounts.