Taking Money from my account in the middle of the month

FNB has now deducted R631 from my account for the 2nd time this month! It's for my personal loan - The money was deducted from my account in the beginning of the month. Yesterday when I woke up to an SMS on my phone showing that FNB has deducted it yet again for no reason what so ever! This is not the 1st time this has happened to me! I find it unacceptable! I did not give any consent on the matter neither did I receive any form of information telling me that they will be deducting it yet again. I want my money back ASAP! Another matter! My FNB card got ****** a while back and money was drawn from my card, it was not much. If I remember correctly it was about R180 - I reported it to the FNB ***** department - The reply i got was that it will be investigated and my money will be payed back into my account because they are not suppose to be able to get money from my card without my pin! Till this day i have not heard back from them or received my money back. This is terrible service and to think they charge me banking fees every month for the so called services the supply. I'm busy looking at legal steps to take and as soon as my debts are payed I will be looking for another bank to handle my money