Unhappy Nedbank client

I am very disgusted with Nedbank at the moment. We are going through difficult times at the moment, as my husband lost his job. Our home loan was in arrears, but we settled the full amount in September. I was told that if I settle the outstanding amount, before a certain date, no legal action would be taken. After I made the payment, I phoned to ask if everything was in order now. When I made the first monthly installment after the arrears were paid, I phoned again to make sure that all arrears were settled. Now, two months later I get a sms stating that my home loan is in arrears. I phoned and the Home loan dept informed me that the ridiculous amount was for legal costs. It was added to my account on 6 and 7 November. I was not even aware of this transaction. No correspondence were sent, informing me about this. The first notice I got was the sms stating that I'm in arrears. The people at the Home loan dept just kept on telling me that it was for legal fees and the only thing they were interested in, was when I would settle the amount. They couldn't give me a breakdown of the amount. Why 3 different amounts on 2 different dates. I feel very unhappy about this, as I made double sure that there was no legal costs to be paid after settling the arrear amount. I think someone at Nedbank forgot to inform the lawyers that the arrears were paid and the case was settled. Now, two months later I have to pay legal costs that I was assured will not be necessary. I thought Nedbank would be more compassionate in times like these.