Improper practice by FNB

************ practice by FNB once again. They debit one's account before the agreed time. As long as money get's into your account they take it and refer you to some technicalities on their system. I dealt with an arrogant guy from their loans department called Simphiwe who claimed to have assisted me whilst he did not, he even sent me a link of ebucks claiming that it will help me in understanding their loan's terms and condition. What?