Insane Bank Charges😡😡

I have been abused my own bank that i have a home loan with, have been banking with them for more than 10 years. I have charges for my current account for more that R1300 and i have logged in a dispute with them, they are refusing to pay me back my money. My account is over drawn, i dont have money to pay my municipality rates for the house thay they have financed. I really need help, how do they expect me to survive providing my kids and paying for my rates. My municipality account has been disconnected, i do not have electricity with 2 kids in the house, one of them is a matriculant. FNB pay back my money.... you have abused me its enough now... i want my money back. Stay away from this Bank. It is ripping people off.