Debited more than agreed

Very very unhappy with the service of african bank's call centre and accounts department. Times are unfortunately very tough in SA and to repay my loans with them became even harder and unaffordable to me since my spouse are unemployed now and not bringing in any income at the moment. I have offered R1300 pm on my loans to them which was accepted. When my salary was paid into my acc they immediately took R2874.73 only on the big loan i have after i had made arrangements and after confirmation sms i received of the arrangements. They took an installment today (not arranged) and the will debit again on the 29th as arranged with a very *********** call centre agent whom did not know how to do her job as she had to put me on hold a few times to get info costing me a 21min cell phone call just to make simple payment arrangements and all for nothing! Why even bother making arrangements, african bank i will now change my bank and you can forget to have any joy to take whatever you want when you want from my account. This is not the first time but definitely will be the last! How do you expect me to feed my 3 little boys and cover my rent this month by taking R2874 + R400 +R300 + R300