Worst service ever!

<p>Just got off the phone regarding my smart spend loan, first of all, the lady wants me to explain what I understand regarding my smart term loan. Gets so rude and irritated whilst talking on the phone that I cant get a word in. My smart term loan is paid upfront, infact more than I owe, then still the debit order went off. Now you want to give me a "holiday gap" where theyll only debit my account in February 2017... After I explained about 4 times that my account should be settled by now as the Prepaid amount (money I've paid!) is more or less R1500 more than the total I owe. I would just like to know whether Ill be refunded for the amount thats overpaid, all she can answer is that your next debit order will go off in Feb 17 and "what dont you understand" ?? So they're going to debit my account untill my smart term loan period is over and I'm going to lose all my money? </p> <p>Always had good things to day about FNB, seems like the lady needs more training as she needs me to explain to her how this stuff works. </p>