Like ******* in the night!

One of my accounts gets debited with a SABC license fee for R28 at night and with no funds provided for the debit order, FNB returns the debit order before you wake-up and charge you R178 for unpaid debit order.<br> There are several examples where I could have transferred funds to the account to settle the debit orders, but FNB simply debit the account at night and immediately return the debit order to generate the unpaid fees on the account before you can take action.<br> <br> I am not sure if I am unfair of expecting FNB to honour the R28 or other reasonable debit orders especially if the account has regular movement of funds?