Honouring Fees

To whom it may concern<br> <br> I am extremely disappointed with your service.<br> <br> You charged me R120 for honouring fees although I did not even apply for an overdraft option nor was there a debit order that did not go through on my account.So I want my money back.<br> <br> You also not once notified me that you will be charging me honouring fees. I was completely unaware that my account went into a minus as I was under the impression that I do not have that option. According to me if I do not have enough money in my account my debit card will decline any transaction. It is not my fault that when I paid with my card that the transaction went through. They need to update me on time every time I am using my card. Why am I paying a service fee every month?<br> <br> I am truly unhappy about this as my mom paid R300 into my account so that I could go and buy milk for my baby daughter and now you charged me with honouring fees and I have R40.51 left in my account. So I can't even go and buy milk for my daughter.<br> <br> I would have really appreciated it if you could at least have notified me about the fact that my account is in a minus and that you will be charging me honouring fees.<br> <br> Please advise.<br> <br> <br>