HOW CAN YOU NOT SEE WHATS ON HOGAN ??????

I am livid , I cannot even begin to explain how upset I am. I've been trying to close my cheque account for the whole week . Everytime I go to the bank they tell me some story. I closed my savings pocket at cradel mall in ruimsig I was told that they cannot assist me because there is a R18 charge still waiting to clear on my cheque account and I should wait a few days . I waited then it cleared . I go to the olympus branch in faerie glen pretoria east on the 8th Of April and im told there's .R.76c thats due to me and it needs to be authorised , because my lunch hour was done I tell her that ill come back , I go back today the 10th of April 2015 the other guy now tells me I owe the bank R38 that I must pay. I feel so mislead by this consultant (the lady that helped me ) . How could she have not seen this. I signed a form saying that she needs to get authorisation for an electronic btransfar of that .76c . I don't have that R38. The more days I wait the more Im going to pay. I DONT HAVE MONEY. Im not going to pay it. The bank will be liable for it.