Pathetic service!

My name is Limakatso. I have worked for Capitec Bank for 4 years and recently resigned. I have 2 loans and a credit card. On Friday 23 March 2018 I called in to make an arrangement concerning my fixed term loan for which I pay R3500, I told them I was unemployed, still looking for a job and may I then make an arrangement to pay as little as R500 just so that my loan is not totally unpaid until I am back on my feet. Then the lady told me there would be a cash payment allocation for which I need to do every month before the 25th, and that nandos tracking would be there until end of the month. Capitec then decided to prevent me access to my credit card funds which I had hoped would help me for the month, when I called they told me it's cause my loan is in arrears, but I queried that is not stipulated on neither the term loan or the credit card agreements I signed, for which I believe by law anything not written or mentioned in a contract is null and void as far as a valid contract is concerned. I called them numerous times, no one was willing to help, instead all gave me attitude for that. I then requested a refund from one of the institutions I had loaned from, as it was in an advance, so that the money I can use to buy essentials, Capitec Bank then processed a transfer from my savings account into the loan account, after calling and pleading for help. So every cent that goes into my account they transfer. Now please tell me am I supposed to starve to death for Capitec to assist assist, because it seems like that credit card aimed at assisting with financial needs was just so that they gain interest, the whole company is not helping, instead sticking every cent I try and organize for myself to survive, without the willingness to assist in any way! They told me that the arrangement I made is not a proper one, but no proper arrangement is available for the suffering, unemployment me. And they wouldn't care less. And how does the bank have the right to process a transfer on my account without my knowledge, and how do they have the right to hold funds from a credit card account that is not in arrears? Bearing that it is not in the agreement signed. Again I ask, should I then starve to death because you guys want interest from me? R3500 for 69 months! That's R241500, subtract the R106000 loan I took, makes them profit of R135000 which is more than 100% interest, that they sick from every other means of survival I make. Your urgent response will be highly appreciated, as I want to take this to the media and ombudsman, to assist, because Capitec has failed! Again I ask, do I need to starve to death first?!