WHY ARE FNB RE-NEWING A CONTRACT WITHOUT ME SIGNI

I am a loyal customer of fnb , even though i have had so many obstacles and problems in the past which is still present as i speak. I had a credit card account with fnb , which had debt protection on it and i have paid every month for incase the worse happen, eg become jobless or incapacitated. My application for that 6 months in which they promise to pay, never happened . I ended up being blacklisted and through much struggles i paid the amount with interest, even though i asked them to exempt me from the interest , yet they refused.<br> Today i have a similar complaint . They re-invested my fixed term investment which did expires during August 2014, yet today when i asked for my money ,they inform me , due to the fact that the money was re-invested ,i will forfeit R250,00 of my initial investment , which is 12.5% of what i will lost instead of gaining the interest. I was so disgusted with the manager of Sunnyside branch , he obviously showed me no empathy with my query and just sit there on his behind and tell me this and that policy of which i am sick off. Fnb claims to be a peoples bank , but how do you rob people of the hard earn money to enrich yourself. I think this is monopoly