Too much charges

I requested a down grade from private account which i was paying R349 for both credit and cheque to platinum because my private banker Marinda Matlala never helped me with anything and i could n't get help from the bank because i was a private banker. I saw the charges was too much and without help that's the reason i downgraded and i was told with Platinum i will pay R199. Instead of paying R199 for both my credit card and cheque card i paid R285 + R50 for service fee + R150 for credit card = R485 which is more than i was paying and i also see that every transaction shows a charge which i am not sue is included on the service fee or another extra charges.When i inquire i was told i am on pay as you use while i know that i changed to unlimited which i was suppose to pay R199. FNB have been good to me for years but now they are giving me a tough time. Since I blocked my cards when they were ****** because of hijack i spent so much time trying to resolve things with FNB, you even charged me for the replacements cards. You do not care what happened to your client.