*****ING MONEY FROM MY ACCOUNT

I am a new banker with FNB ,Me and my ex husband have always had joint bond financed by FNB and we signed contract with FNB and provided the method of payment and gave the banking details which are my ex husband's because he receives tenant money for that property, so now that i have just opened premier Account with FNB they just at any time go do journal in my account to bond account without even the decency of communicating with me,after taking money from my cheque account then they send me sms to say my account is in excess and i must rectify ,who made it to be in excess ?them without my knowledge even. my very last rands i had to make me survive they took them,why they decided not to debit the responsible payer of this bond only one *********** staff of FnB Knows. i AM FED UP with banks like FNB.PEOPLE BE AWARE,ABSA WAS BETTER