Most Dishonest Bank

We are all used to banks fleecing people but what I had was a bank making a contract and then have a change in policy and dishonour their agreement with me. I took a personal loan with Capitec in September for 10 months. Paid on time by me per agreement. As well as the personal loan I was offered a multi-loan. The multi-loan was a specific amount for a year (12 months). I needed to pay back full amount at end of each month that I made use of it. I used it in November and paid in full at end of November. I tried to use it today but app on phone would not allow. Went in to bank and they gave me nonsense about new policies. (Which they never communicated to me). The consultant then tried to give me new loan, which was rejected. I got home and looked at app on my phone and the multi-loan had disappeared from the app. What happened to the contract I signed for 12 months? Do banks not honour contracts? My question is should I then still honour my other contract with Capitec?