ABSA *****ing our money

Absa home loans and call center staff is so useless that nobody can give you an answer about why did our monthly payment go UP while the interest rates went DOWN?????? I spoke to 3 people and each one gave me a different reason, none of which made sense and the one definitely **** as he said the insurance went up, but when I spoke to the insurance side, they informed me that it only goes up end of November. Another reason was that the computer is trying to fit the balance into the remainder of the term - we didn't change it so why should it need adjustment? Do they really think we are stupid? And when you phone, you never get an option to speak to somebody at the home loans department, and if somebody do put you through from general enquiries, they put you through to the wrong department anyway and just waste your airtime!!!!!