OVER CHARGED STUDENT

I am a university student who has been using the FNB life start account since 2009, recently I have been made aware that FNB changed my account from student to Gold, I was never informed of this. They claim to have sent me an SMS but I never saw it, either way one 1 sms is not enough as the change is very drastic and affects my everyday life, more notifications could have made a difference. The problem is that in the last few weeks I have been charged almost R400 in bank charges , this is very stressful because I was supposed to buy food with the money and now its all gone. I am even scared of telling my parents to send me more cash as I might not get it. I even took my proof of registration to an FNB branch but they told me to wait, in the mean-time I am stressed and starving. I have been a loyal customer to FNB for years and this is devastating. Please help by changing my account back to student account and refund me my money back. this is too painful and between the stress of my studies and my banking, I cannot cope.