Banking charges on a zero balance account

I was banking with absa from August 2007 until 2017 when I discovered that they were charging more. I had absa saving account and they introduced me to a Cheque account and I will be paying R99 a month. When the years goes by I noticed that they were charging me more than I was told, I went to several banks to inquire they could explain and I also asked about Tsg that deducts R54 month every month and I also want my money from the day it started deducting,no consultant was explain to me, now this money has increase and am told I them two thousand and they also deduct money for being loyalty, I never subscribed for that and I also sent them email that I can’t pay for being loyalty because it is bribe the word has been sugar coated them .it was in July 2017 and I noticed that my card was expiring and I decided to open an account with Capitec and I have sent Hollard my new Capitec banking details for debit orders. I have sent the an email attached above, they don’t respond to my email, they talk some else may you kindly assist me