Overcharged Fees

Fnb have decided charge me R125 per unpaid items on my cheque card.... The items are between R30-R50 for tolls. My balance and available figures are not true on my acc. Eg: my balance would show R5000, but my available amount would be R4500. Which is fine as i know i have a reserved purchase for R500.. So i would only spend no more than the R4500 the account says i have left.. How the hell does my account then run into the rears!!!!! I would like whatever money is paid for to reflect as deducted even if its still a reserved purchase. So now my issue is that on a total of 4 transaction that only accumulate to R300, I need to pay fnd R625 in penalty fees!!! I never asked fnb to pay any provider who ran there purchases 10 days later, which would not make a difference if my account read true on the balances in the 1st place!!! No communication from fnb that this is going to take place and at least warring to correct the account before i have to fork out a R625 fee!!! I am a private client card holder, which evidently means absolutely nothing to fnb as when i called to quarry this all i get told from some random telemarkater that its what it is and i must just suck it up and pay!!! Excuse me!! My joke of a "private banker" does not answer and still 24hr later has not called me back. I pay R400 premium a month for what???? Same respect and help with a gold card... I was thinking of pulling my card down to gold again as what is the point in the private client holder status.. NOTHING!! I have now decided i should rather just move banks. Nedbank are running a great new campaigain and refreshing there brand. Im sure i will get allot better service from them. Will also be changing my whole family from fnb to nedbank which include private clients and business account we have. Thats wife, daughter, brother, mother, father sister, brother in-law, father in-law, sister in-law. See how fast those numbers add up quickly. Thats not even recruitment of friends and close family relatives yet!! I used to love fnb, but wow in 2days how you have left a rotten taste in my mouth that will last a long time!!!!