Taking unauthorised money from my account

I'm a Absa client of Absa for almost 20 years. I'm very disgusted with the service and treatment I'm getting from them. I have a personal loan with Absa and I made them aware that I'm unemployed and I made arrangements on how and when I will be paying my account. Every time money goes into my account than they take it as they please. They just do what they want to with people's accounts and I just feel is unacceptable. And another thing I want to know if the call centre agents have the right to ask you if you have any family members that can pay your account on behalf of you, they must show where and in which law does it state that if you are unable to pay your than the family is liable for it. I'm really disgusted in the services from Absa. I want my money that they took without my permission ASAP