FICA - Accounts frozen over month end!

I received FICA messages, I have to FICA my bank accounts. What I dont understand is that the ACT does not specify the number of times during a lifetime that you have to FICA. But standard bank, wants me to FICA, again. Suprise! Friday 27 Feb month end, year end, my account is frozen. Without any message that it will be frozen on the 27th. I visit the Standard Bank in Midrand, they are off-line. I visit Standard Bank in Centurion the line so too long to wait. I was told Standat Bank's systems does not know when accounts will be frozen that is why they cannot send sms's to inform a customer that it will be done on a certain date. I have no money over the weekend, cannot pay any accounts. Monday I visit Standard Bank Centurion again. Maria assists me. Systems are slow, I can access my accounts after 19:00 the evening. Tuesday morning, and I want to do payments on Internetbanking. My Credit Card account is not available. I try to find the branch telephone number of Centurion, impossible, as I can only phone a call centre. Call Centre informs me, that they have problems with the Credit Card System. It will only be available later. Bad Bad Bad! This service is bad