Total Disregard of Customer

At the end of 2016 FNB Housing finance sent an SMS informing me about their intention to deduct the bond amount on the 15th of December/Tracking if i got paid since most companies pay people around that time. I then notified the bank through my personal baker that the bank should stick to the agreed 28th debit order date. Furthermore I requested that i be removed from their promotion as I prefer the agreed date when i signed.

But at the beginning of December 2017 I got the same SMS again notify about the 15th December payment/Tracking, to which I again sent the message that I dont want the 15th December since FNB is working on assumption that its customers will be paid on the 15th. To my shock the debit order went off on the 15th , thus by utilizing my overdraft facility I have in place. I then requested that the amount be reversed since its in contravention of my authority and that it also breach the terms agreed on. The money was reversed the following day.

Then to my surprise the debit order did not go through on the 28th of December, until I got the statement that my account is in arrears. I called FNB to inquire why my account is in arrears , they told me that they debit order run system couldn't collect funds on the date. To which the consultant tried to pin the blame on me and that I must give him authority to process the debit order on the 10th of January, to which i asked why must then FNB want to deduct the money after I have called and then why should i then be debited twice in a month whereas the onus fell on FNB to collect the money in our agreed date. The consultant wasted my time and asked that he sent me an email with proposed solution.

Up to today i have not received any feedback from him and now FNB has sent me an email threatening me with legal action by the 16th of January.

I have always paid this bond account since 2015 and have never missed any single payment and I regard this action as ******* and contravene my rights as a consumer.