Service? What service? What am I paying for?

<p>I hasve now contacted my "team of bankers" a few times. Most of the queries I had to resolve myself by phoning in and being sent from one person to the next, because I usually land up at the wrong department (and try and get the relevant information of the website - forget it, some links don't even work, and the info that is there is vague and usually doesn't help one bit). Now I loathe going into branches as i can only get there during my lunch break or on a weekeend (shudder). There are now 2 issues open that I am still awaiting feedback and/ or resolution on - 1. can someone please tell me or send me more info regarding the Flexi option on my home loan? 2. my late wife's 2 accounts are to be closed (lodged this on the 28th at Carlswald branch), still waiting and had to follow up a few times already - the documents were only loaded today (or so they say)! FNB, why am I paying you R 199 per month? If this goes on much longer, Capitec will be my next stop.</p>