Are your processes above board?

I was retrenched in January 2023. Since then I have informed the bank and app**** for relief and insurance for all the accounts I owe. After one year, the bank stopped paying and I was refused further relief. As it stands, the bank keeps debiting my current account for the loan and credit card which has no money and so it is now also in arrears. I am not working and any income I get I have to prioritise my living expenses.

1. Why does the bank keep debiting the current accountand causing me more debt? 2. I am not working. What is the law on forcing debtors to pay when they have no means? 3. If the bank is still charging insurance, then why can I not claim from it? 4. The biggest frustration is that the different departments do not communicate with each other. I am receiving phone calls on a daily basis. Does the bank want to cause mental health problems because I am not working? 5. What is the law regarding blacklisting unemployed debtors?

At this point I will be consulting the banking ombudsman as well.