Triple Debit Order FNB Loans.

I have taken out a loan with FNB in September 2019 and as per the signed agreement, it was agreed that the first installment will be on the 31st of October. On the 25th of October FNB tried to debit my account for the first installment amount. I did not have the funds available so the debit order bounced. Firstly this reflects badly on my name and, Secondly; it pushed my loan account into arrears. I contacted FNB on the day this happened. After 24 minutes and R60 airtime down the drain, I got through to a consultant, after I explained the situation to the gentleman that assisted me, he advised me that he changed my debit order date to the 1st. He then explained that because of the date change my debit order amount would increase and that I will be double debited on the 1st of November. As I explained to him how that should not happen the line got cut off. As frustrated as I was at this stage I reloaded R60 airtime, spent another 20 odd minutes in the phone queue and got through to a Lady. I explained everything to her the same way and she assured me that I will not be debited twice come the 1st of November. I was reluctant tp believe her but, I gave her the benefit of the doubt, Its the 1st of November and FNB has not deducted my account once, not twice but three times for the same loan amount! I have contacted the Loans Department and yet again, after another 20 minutes of wait I got through to a Lady that assisted me with the query. She advised me that this was a system error and she has sent an escalation for the 2 extra debit orders to be reversed. I asked for a turn around time on this process but she was unable to provide me with one because she was unsure.

The effect of the above is that I have suffered severe financial distress, which would take considerable effort to repair. In essence I am unable to meet my monthly financial obligations this month.

I don't know what to do. I am so disappointed