Unpleasant charges and service

I am an FNB client have a personal Aspire account and funeral cover. I have experienced some financial difficulties that led to my funeral cover being in arrears and I made arrangements with them which they have to deduct twice a month till my cover is up to date. In December come to my surprise the deduction went earlier on the 20th I was not notified about that. I call them to clarified the matter and I was not happy but I let it go. Surprisingly on the 30th December they deducted double deductions again and the was no money in my account I'm being charged unpaid fees of R230 , why now deducting when they deducted on the 20th I was waiting for next debit at the end of January. Not that was enough I had money come in on the 10th of January 2026 they deducted again after I have paid the unpaid fees, I mean it's this time of the year and they do what ever they want how come so many deductions in one months now . I don't know what is going to happen when the next money comes in before my deduction date which is the 30th, from what I had is that the don't stop once they have started doing this my close family friend had closed her accounts with them because of this just in December. Secondly from the money that come in on the 10th of January they took the initiation fee and the unpaid fees and I don't know what fee because they have charged me R463 of R350 fees they have to go off. This has inconvenience me badly and I am very agree and disappointed with them.