Paying penalties for ********** transaction

<p>A ******* paid a cheque into my bank account to the value of R10,800 for goods advertised online. The goods have NOT been released. </p> <p>But now that the ********** cheque has bounced, AFTER I reported the ********** transaction to FNB Fruad department (check your voice logs), last week, they penalized me with R150 fine because the cheque bounced!! Why do I get penalized????</p> <p> </p> <p>To make matters worse, even though the account had money in, before the payment was made, It's now R7500 in arears!!!! So the money I had is also gone. How is this protecting your client?</p>