Debt review not my problem

Been a client of Nedbank for the past 15+ years. Home loan, credit cards, banking all through Nedbank. Firstly, my credit score is being affected cause every month Nedbank debits my account on the incorrect date? Then i get notifications about my loan insurance being questioned because of frequent non payment?? I have phoned a few months trying to rectify this...Hopefully this time its sorted. Secondly, we have extra money that we can excess on our home loan. We went into the branch, cause all we had to do was load it onto our profile and then we could transfer the money to our account. If only it was as easy as that???2 days later still no joy. My husband ex wife was under debt review, 10 years after the divorce , but somehow, we cant excess our bond money cause of this? Nedbank, we have been married for 17 years. The bond we have is registered on our names. Why are we being penalized for a third party who has no connection to this?