Overdraft Fnb wants u not to pay so they can add interest

I have on numerous occasions spoke to my private banker hav emails to proof that I needed Assistance that my financial status was no longer the same that I experienced problems that I will be able to continue paying the R913 monthly but the bank charges need to be waived and thar was way before I became in arrears. He came back saying the credit manager refuse to assist. Coz I initially asked to waive the bankcharges for 3 months than I will continue with the R913 and after the 3month after Feb . I will pay the bankcharges again . That never happened and ended me being in a more difficult situation. Looking at my bank account it’s impossible to catch up . FNB : how can we help you but in return don’t assist in fact they want to exort more cash from you. At that stage I owed R106000 now I owe R116000 ( how can a person who cried out for help being able to stand up again. When FNB just add interest and cost even though I wasn’t transacting from the account. A temporary situation became impossible now to tackle. Worse part I communicated with Fnb to avoid such cost .. Which of your clients do u assist and which don’t you . Must I first bear a surname of Verwoerd in order for me to be taken serious. All these years you have been making good money out of me with R2600 for bank chargers. Simple understanding or freeze you can’t assist and didn’t even offer a way out .. Same applies with my credit card I asked to pay interest portion for 3 months and then pay off the arrears after 6 months . That request was asked before I fell into arrears. Was told no ways . If account is in arrears will be called none stop and oh yes they doing it .. FNB chased a client who was willing to pay away and rather chose to add interest on the account than giving a client an option to pay ( still can’t pass the reasoning)