what a poor bank to be dealing with

yesterday 2 debt orders was processed on my account and to my understanding this policy was cancelled so i called up the service provider only to be told it was a system error i then called my bank as i was charged R240.00 in admin charges and to my understanding a stop order was processed for this vendor already only to be told that no grace of good will shall be excised on my account and i should just pay the R240.00 this whole process had me thinking about how you guys say \HOW CAN WE HELP YOU'but guess what when we need your help you guys are never there . i app**** for car finance 3 weeks ago and guess what out of all the banks Westbank a division of FNB was the only one to decline me i wonder why ??? i app**** for a credit card and yet again other banks approve my application but FNB i really just think i should stop banking with FNB because its clear that FnB dose not care about its clients. i want a call and some explanations "