worst servise ever!

I am utterly disgusted with the service I'm receiving from an institution I have so much respect for, more so from their insurance entity! 1st I have been debited R20 for Nedlife policy i' ve never authorised which is debited on random dates then I'm charged a whopping R100 unpaid fee because it was R7 short on the day they decided to debit it. Mind you, I have queried this d/o in 2013 to no avail. The nerve of their staff to tell me that I must give them proof that I did not authorise this which I clearly indicated that I do not even have any documents for this to have Thuli Bhengu tell me that should I have passed Nedlife would have paid out???? This is unfair banking practice! This is theft.