Ripping is off

I am really disappointed with my bank. I ask for a downgrade of a cheque since I get ridiculous charges. I get to be R174 on the day of the downgrade and within the same month I get charged again for service fees. I really don't understand. I think moving is the best option now. The worst is having a loan that charges 50% interest rate . When I asked they telling me about how I already signed while I was not aware . I'm really frustrated about this . And I didn't sign anything. Everything was done online.