Not a happy customer fnb life unpaid debit order

I have been banking with FNB SINCE 1994. This month my life policy increase without any notification...I should know it increase every year..Fnb life departments response. .yes correct but with how much...how should I know this without any notifications. When i called Fnb life I was told FNB should have send an sms notifying me of the increase after being transfered and then cut off..I feel FNB is not bringing their part. For A R30 increase on a policy that I was not notified off.. I have to pay an R115 unpaid debit order fee. Where is the curtousy notification from before where you are notified of an increase or that there is a debit order that will be going off please deposit money to avoid unpaid fees.. No FNB is all about how much money they can make of customers...Not on FNB...WILL DEFINATELY CONSIDER CHANGING MY BANK THIS IS UNACCEPTABLE...NOT A HAPPY CUSTOMER