Unauthorised deductions and poor loan services

Since july i have been incurring banking charges referenced only as HON FEES. They have been occuring every month since July but no one seems to be able to tell me what they are really for. One consultant at bank city informed me that it was a transfer into my savings pocket (I did not request this) but a callcentre consultant that same day tells me its an overdraft fee (i did not agree to this as i do not regularly make use of overdraft and why is this only starting in July?). As a result, money which I had budgeted had been depleted. This meant i had to get a temporary loan to tide me over. I get a loan for R800 to be repaid as R904 on the 16th November 2015 but on 18 November (today), they deduct R654 of that amount before i can even spend it. that means i am effectively paying interest of a loan that i have hardly used because they (FNB) prevented me from using it.