********* shocking behavior on collections

I could not pay my homeloan this month as I am awaiting funds to be paid to myself. I am not employed and sick and tired of nedbank just taking off monies from my account as they please. My debit order date is 22nd of every month. Nedbank does not even give you a chance to make an arrangement. UIF monies paid into my account and has all been depleted as Nedbank has decided to take the full amount .I now have now monies left to live on and my other debit orders will be returned. I have paid my homeloan well every since inception .Is this a loan sharks organization as this is how they carry on.who authorized this debit from my account as this was done last month as well. Totally unacceptable for 1 months arrears