Nedbank are *******

My fiance and I always ended up in a negative balance every month and always wondered why. Your sms updates are always incorrect and make you believe that you have more money in your account than you actually have. We recently found out that yoy guys charge for every swipe that does not get paid and if your sms system was up to date then we would not be swiping. You now owe us a ton of money for all the swipe charges and direct debit charges that have been deducted from our account because of your sms system that does not work and what is the use we actually pay for that service when it does not work. We eant all of those charges refunded or we will look at switching banks and make everyone aware of your ****!