Decrease in Installment and Debited amount 2015

Issue 1: I have sent Nedbank an e-mail close to a month ago wanting to know why my installment amount was decreased without my permission. This increase the balance at the end of day and i am currently not impressed with Nedbank and the sooner i can settle the better. <br> <br> Issue 2 : i had an amount go off on my account that i was advised it was for a transaction i did Aug 2015 how is this possible for it to take 6months? My account balance is not favorable due to this inconvenience? Nedbank has a habit of not showing transactions after i have swiped and they reflect 3 days later. this is unacceptable and poor service and costly too. There other banks out there and cheaper to be stuck with such poor service. My account was offered to me because i swipe all the time and if my transactions wont reflect immediately i want to cancel this account.