Take payment on Personal loan whenever they feel like it!?!?

<p>So I decided to transfer money from my wife's account to mine so we can go buy the children’s xmas gifts. To my surprise FNB decided to take this money for a two week early payment on my personal loan. Well sorry kids, no gifts under the tree this year.. Your money isn't even save in your bank account these days, as the bank just take what and when they want on up to date accounts...</p>