List of empty promises

In short<br> <br> 1) Got a cheque account around 2007 at full cost even though I was a student at the time with a promise of improved credit rating--Not true<br> 2) Opened a fixed deposit investment account in February 2012 with promise that money can be made available but a fine will be payable--This turned out to be up to the bank to decide whether you deserve to end the investment prematurely or not<br> 3) App**** for a home loan in February 2014, was granted at a staggering prime +1.4% after 20% deposit (because I do not have a good credit score (see 1 above)) with a promise that the rate can be reviewed and reduced after 6 months of down payments--This ended up in me having to call some central call centre to realize that Nedbank do not negotiate interest rates. (Apparently since 2012) <br> 4) Checked fund availability and confirmed that funds were available for debit orders going through on *** debit orders returned unpaid for no reason so I have no household or life insurance for a month<br> <br> Now I am stuck with a massive interest rate and no way to reduce my debt because I cannot access the funds in my fixed deposit or reduce the rate AND I am at risk of theft and fire<br>