When will this ever stop

<p>Yesterday 20 December i received an SMS stating that my loan with FNB is in arrears and i need to make a payment to avoid judgement! i was never notified that my loan was ever in arrears as FNB debits my account every month, so i was surprised to receive an SMS like this. When i called the number in the SMS i was told that my account was not in arrears and i asked the lady to confirm this in an SMS which i still have not received. Today i receive an email from FNB stating they have deducted money from my account for my loan that is in arrears??? i'm confused as hell becasue according to i'm not in arrears and was never becasue every month FNB deducts my instalment on time from my account. For the past half hour i've been trying to call FNB to query whats happening but i am unable to get through to them, no surprise there. How is it even possible for a call centre customer service number to be busy? I am truly disgusted with the service and the way i'm been treated as a loyal customer. FNB is messing around with my credit rating i am unable to get any credit any where or do anything as a result of them messing me around. I want this to STOP!</p>