BANKING FEES

I have just checked my account print outs and am slightly confused as to why I am paying so much in banking fee's. I had one of your consultants come and see me at my home to help set up my current account. I specifically asked him if I would be billed for both the savings and the current account and he guaranteed me that I would only be billed the R95 per month for the plus option current account. I have now seen that I have been billed for both savings and current account, with an extra R25 fee for electronic transfer. PLUS!! A R120 honouring fee on my current account. Why has my account gone into the negatives?! I was never informed that this would happen. And what the hell is an honouring fee?! So in total, I have been charged R276,83 in banking fees this month. COMPLETELY UNACCEPTABLE!! I would much sooner change banks than deal with this kind of irritation.