Not able to Downgrade account!!!

<p>I am an FNB user for about 2 years and was happy with their service until I called in for and was sold an upgraded account type.</p> <p>Before that call, everything was nothing but blue skies, I even bought a cell- phone via FNB and often bragged of their great services, but then was asked to upgrade my account to a cheque account and was sold on a bunch of features I do not use( silly me) as the cheque account was not so simple and actually cost me more money than a normal ( savings) account that I had. </p> <p>I then went into my local FNB to downgrade my account but was told that as I have a device attached to my account I would have to pay my device up in full before I could downgrade the account.....a device that I took out whilst using the savings account and which was easy to upgrade to a more costly account but not able to reverse to the original account type. I then received a call from the FNB devices department and was told that to settle my devise balance early I would have to pay the FULL cost of the handset( R1500) even though I only have 8 months left at a cost of R40 a month(which would work out to R320). </p> <p>All I want to do is downgrade the account as I'm not seeing the value in having a cheque account and can't afford the cost attached, Tried to call them for assistance but the wait is really too long. So this leaves me with an account that I have to keep for the next 8 months at a cost of R100 per month.</p> <p>I don't want to close the account but want somebody at FNB my bank to live up to their ethos and HELP ME.</p>