Horrible service

<p>I have a cheque account with Nedbank. Sometimes when I make transactions nothing happens, no notifications, no change in the balance, nothing, then days later everything goes off at once and my account ends up overdrawn. I do not have an agreement for an overdraft facility with Nedbank so I don't understand how they let such happen to my account. Then I get charged an "honoring fee" for each amount . I've been to so many branches I've sent complaints I've called lots of numbers and even changed accounts to avoid this but it still happens. The last time it happens I moved to another bank. Now they won't close my account because it is overdrawn (as usual) but they are also not showing how exactly my liability arose and where they got permission to give me an overdraft. While they told me the matter was being looked into they sent me a notice of demand. They won't send me the terms and conditions of the account I have with them. I just want them to show me my liability and how it arose so that I can pay the amount and have the account closed before they black list me. Please help, I am desperate and they won't help me, they keep sending me from pillar to post.</p>