accounts in arrears

i have been a client of african bank now for many years, with loans that are refusing to end, i went on maternity leave in 2014 , and like a good client i called in and made payment arrangements with them, today i get and sms notifying me that an amount of money will be deducted from my account R433.00. without any call or notification. i made a previous arrangement which was cancelled without any notification ..<br> all of this after i realised that with the loans i took im paying close to 3 times the borrowed amounts.<br> i am an unhappy client , i feel i my financial rights have been violated . they should atleast have people trained to advise client on the product that they offer.the lady i spoke to today told me that the previous consulted should have told me that the R100 arrangement i had made wasnt going to make any difference is it is less than the interest rates , i sent emails asking the provider to review and reconsiderthe status of my loans as i feel the amounts im paying pack are too much, i am yet to receive a response. instead i receive an sms stating that money will be taken out of my BANK ACCOUNT ,MONEY I DONT EVEN HAVE ,without my permission is that even allowed? <br>