unfair treatment and explaination

Im very disappointed at how capitec bank handled my finances this month. I owe capitec money i have two loan with them. I have been unemployed for a year now i had made an arrangement with them to pay a certain amount with them because I'm failing to pay the full amount that is due every month. This month they took more than what we agreed on , normally what happened the previous month was that I would receive a call from them and setup the amount I'm able to pay for that month. This month of November I never received a call from them , they told me once i get a job i must come in and update the system with them so I can go back to the full payment of my loan. A high amount was setup and deducted . I went to the Cradlestone branch and i was told that they cant reverse my payment . I made a call to the customer helping line and I was told the bank will deduct what they find in the account. How unfair can this be when we are facing so much financial uncer*****y and the rate of unemployment rate increasing. Im so broke and my bank i trust is telling me they will take any amount they find in my account even though they know my unemployment situation.