Unnecessary bank charges and incompetency

When I took the loan with African Bank, I requested that they debit my Standard Bank Account.

I changed my account to Capitec and informed by the branch in Gezina. I was busy with an insurance claim due to covid and gave them my Capitec Bank statement.

African Bank still decided to debit my Standard Bank account. I called their customer care 4 times over the last 3 months telling them they are causing me bounced debit order bank charges with Standard Bank and that I would pay cash as they can't seem to handle a simple request of changing banking details.

I requested a refund from them for the bank charges and they declined stating that it would put my loan account in arrears. The refund has nothing to do with my loan account, it has everything to do with the fact thst they caused extra charges on my Standard Bank account which they no longer had authority to debit.