No clear communication and transparency

I am a MFC client and Nedbank then gave me a call to open an account with them and they informed me that every month they will contribute R200 from my monthly instalment on my vehicle finance to my account and then this amount will cover my account fee each month.

I received a message that my account has been handed over due to it having a negative balance which now gives me a bad credit rating. I called in to discuss this and they informed me that this allocation of the R200 will only happen if I move my debit orders and salary payment to this account. I informed them that they never informed me that this was part of the agreement.

They did not come back to me and I just keep on getting messages that my account was handed over.

No clear communication and transparency from the people that I opened the account with. I want my account to be closed immediately.