First National Bank
Unauthorised direct debit & unsatisfactory resolut

I have two complaints against FNB Housing over an incident that occured regarding the debiting of my account.

1.Unauthorised Direct Debit
I was contacted on the week of 09/12/13 by an FNB Housing agent to enquire when my account should be debited of which I instructed for the date of 20/12/2013. My account was however debited on 13/12/2013. As there were inadequate funds in the account it resulted in the direct debit being dishonoured by my bank (ABSA). Iv'e therefore incurred charges from my bank, and more importantly, have created an adverse credit record on my account as a direct consequence of this action

2.Unsatisfactory Resolution
I contacted FNB to find a resolution to this, after discussing this matter for a prolonged period (at my cost) with consultants who chose to be ignorant of the fact that a direct debit had been made at their initiative contrary to my specific instruction. I explained my situation to a senior consultant, Morgan who was adamant that I needed to supply independent proof of the transaction. I found this to be highly inappropriate and very inconvenient.

3. Resolution - Compensation of costs incurred and clearance of adverse credit record created.