Bank refuse to close my account now-owe it R11000

Hello Peter <br> <br> I had a cheque account with an overdraft of R3000 at standard bank and a loan at African bank which was suppose to debit my account every 20th this did not happen as agreed but continued to debit my account anytime they wish this would leave me with a R1000 bank charges. I went in to standard bank heerengraght in 2013 requested to pay this amount in full to enable me to close the account but the consultant told me I cant close the account till I paid this amount in full. She never offered any assistant up until I complaint to their service recovery unit which responded on the 9 May 2013 with a reference number: ***4 escalated this to a branch level in which there it was going to be handled by Mr. Luzuko Dwaba who emailed me trying to get a meeting but due to his busy schedule we could not and he left it at that still this complaint was never resolved now I cant buy a house because of this. I spoke with Luzuko he told me that the account has been handed to the legal department there is simply nothing he could do please assist I am seriously disappointed by standardbank.