NEDBANK IS KILLING ME NOT EVEN SLOWLY

I always thought the more expensive banks will try take care of their client, and if that's too much try to inform their clients before taking all their money. A few years back I took a loan for dad to be admitted in hospital and later lost my job due to an accident. I did call Nedbank to explain my situation and see how best I can repay the debt instead of not paying an avoiding their calls. Mind you I had to relocate, return most of assets including car. We made a monthly arrangment which also I couldnt debit due to inconsistency of my cashflow. Ofcos some payments you miss or pay late, only to find they took 9k from my account without even a call last week. These funds were being saved in my account for an operation and now I am broke. What I wanted to ask is NEDBANK, did I refuse to make payment?did you call to check whats wrong dear client?or this is the power you have to do as please since I place my money with you according to your policy?Now that you do as you please, should I still try to honour my obligations.