Non-functional system and helpless service centre

I have been trying to make a pay & clear payment from the FNB online banking and the FNB App with no success. The very first attempt tell me that I have exceeded the limit when I had not transacted at all on 19/07/2018. Again on 20/072018 I get the same message. The payment was urgent hence the pay & clear. I phone call centre ********** and asked to be helped, the lady told me to try again in 2 hours. Two hours later, still says I have exceeded the limit. This is too frustrating and the second consultant is saying the fault is with me their system is fine. She then made me hold and then hung up. I still have not made the urgent payment. I will have to incur penalties for their non-functional system. So frustrated.