Edgars Service fees monthly charges for nothing/R0 balance

My account had a zero balance; I do not understand why these fees of R28 were charged. To my knowledge, no transactions or activities occurred that would justify any service or maintenance fees with this type of amount, even if the amount credit is very very low. This is not the first time this issue has occurred. These types of charges were app**** long time ago and later rectified by your team. I was informed that letters or notices were allegedly regarding these fees. I did not receive any such communication, neither could Your accounts dept explain what the service fee exactly are for? They were not clear what it is for? I was not assisting well, and I am therefore extremely concerned that there is no-one understanding your financial systems? As per the Financial Sector Regulation Act, a financial institution must provide proper and provable notice before applying charges or taking any action on an account, and also it should fall in the compliance of Consumer Protection Regulations and Treating Customers Fairly Act. This does not seem to be the case if you want to charge R28 monthly on a retail clothing account? This is a very high amount for an instance that is not a financial lender or doing banking activities. I hereby request the immediate reversal of fees as I did not give permission or agreed on these terms (then I would have also close my account - Credit card fees will probably much lesser and can be used anywhere). Should this matter not be resolved promptly, I will raise a complaint with the National Credit Regulator (NCR) or and the Financial Sector Conduct Authority (FSCA) for investigation.