what are you doing?

You refunded me bank charges because your personal loan department messed up and took money when they shouldn't have. Then you think its ok to go and take the last r150 from my bank account for bank charges from APRIL! and what's worse you don't even bother to notify me. So apparently you have permission to take anything from my account because I bank with you. I let that go but now I see that you are charging me R90 fee again and I don't know why! this is ridiculous! I want to know what is going on with you lately your service is terrible! and I want my bank charges refunded! this is my FOURTH complaint with you guys in a month!