Unfairly Billed

Hi there, I have been unfairly billed for a smart device that I have a debt for. whenever there is money in my account FNB takes R1000 without my concern, Whilst on the other side they have handed me over to debt collectors. I don't know if this is a right way of doing business by Financial Providers as per the laws of National Credit act this has happened 3X this year and I am not happy. This is far from the agreement of R200 pm, even though i have been behind in payment a fair arrangement to settle can still be made with me.<br> <br>