un appreciated service/*****

I HAVE HAD A PERSONAL LOAN WITH FNB, HAVE NOT PAID IN A LONG PERIOD BECAUSE I HAD NO MEANS. I HAVE BEEN RECEIVING ONLY SMSes FROM THE LEGAL DEPARTMENT NOTIFIYING ME OF A DEFAULT JUDGEMENT ON ME, NO PHONE CALLS OR EMAILS SENT ON ME TO CHECK WHAT IS MY EMPLOYMENT SITUATION. I STARTED WORK ON THE FIRST OF SEPTEMBER I HAVE MANAGED TO MAKE PAYMENTS ARRANGEMENTS WITH ALL MY CREDITORS, I THERE THEN SEND AND EMAIL TO FNB TO MAKE THE SAME ARRANGEMENTS. BT I WAS NOT ASSISTED. IT CAME TO MY SHOCK TODAY THAT FNB/ THE LAYWERS HANDLING MY ACC HAS DEBITED 3707.53 WITHOUT MY CONCERNT NO ONE CALLED TO ARRANGE. THEY TRACKED MY BANK ACC YHEY SAW MONEY IN THE ACC THEY DID NOT EVEN ASK WHOS MONEY IS IT OR HOW MUCH CAN THEY DEDUCT, IM NOT AT ALL HAPPY THIS IS VERY SERIOUS. IM NOT ONLY OWING FNB, I FEEL THEY SHOULD HAVE MADE ARRANGEMENTS WITH ME SO I WANT MY MONEY BACK PLEASE SO WE ARRANGE THE MONTHLY PAYMENT. I went to the branch I made calls FNB says the lawyers deducted and the lawyers says FNB deducted, so who can I beleive