Lack of service

Firstly I have smart spend loan with fnb last month was supposed to be my last installment of 766 but the debit order did not go off as to why I don't know coz there was funds in my acc suddenly when I check the amount increased its 900 and something till today no one has contact me about to explain what's hapening. Secondly I upgraded to to platinum acc as per fnb website \ you might win Apple mac products"my acc has Been active for 2 months no feed back as to who is the winner. Fine..yesterday I deciced to place a notice on my flexi save acc the lady who was very helpful told be I qualify for a consolidation loan of 100.000 I just need to send my payslip and I did. Surprisingly later on got an sms stating that it has been declined so I wasted my time getting the payslip and having to wait for her at the branch to complete whatever documentation. So the so called innovative bank forgets to service its clients lastly my bank charges reflect way too late on my account father the 10th of every month. I got a good mind of going back to a bank that cares to inform me about everything even if I need to pay extra for that it's worth it."""