Reckless Lending

Fnb gave me a loan while i have arrears at Capitec. I was shocked about the reckless lending which is happening at Fnb. First months wasn't a train smash paying the istalment because i wasn't paying Capitec. I contacted fnb, the review department emailed to say it wasn't reckless lending as my disposable income was R8000.00, of which the rent and the Municipality bill isn't included. Please investigate, i am willing to even send my credit report. I am banking with Fnb and the debit order can't be reversed. I can't change banking details because of this, this loan needs to be sorted out asap