Who is to blame ?

I have reviewed Fnb before for the same reason of taking a R200 fee for good gesture as they pay someone on behalf of you, and honestly I wish I could remove this function somehow because it only causes me more problems and takes my money without my concernt. According to fnb once you have money in the account and the merchant purchase is put through they have to pay no matter what. This was explained to me with my previous complaint but what still doesn’t make sense is why they can take their money for account fees and put your account into a minus and then only process the the merchant purchase once your account is already in a minus. This would actually not have been a problem if they actually cancelled my debit order with one plan pet insurance as I already cancelled it the previous month when I reversed my debit order which also cost me R45 and when I put through the original review. This month the debit oder went through twice and instead of me reversing the debit order that would have cost l me R45 I waited for one plan pet insurance to pay me back which they did only after waiting 2 weeks and FNB taking R200 as a they paid the merchant for me. So what would have been the better option here ? Losing R45 or R200 or just canceling the debit order, which I did and it went through anyway.

I still owe money else where to which I can’t pay as well because now I am R200 short. So who is actually to blame One plan pet insurance because they took a double debit order and shouldn’t have or FNB because I clearly cancelled my debit order when I reversed last months debit order and it still went off?