Unhelpful services

So bidvest bank decided to close all there branches leaving clients without a face to face contact or any physical support. Yes they have the call center.. Useless if u ask me. My card is expired I don't have a branch to collect a new card. I asked the call center to close my account as I'm unable to transact. My account is in a minus of R28 which they advised me to settle first. Firstly I opened my account with a R50 what's happening to that money. Clearly they can take there R28 from that R50. They are making it more difficult to close this account as I don't have another bank account where I can do EFTs and how are they going to pay me back my R50 without me having another account. Bidvest made it difficult by closing there branches and now I am responsible for extra charges since they want me to pay in the R28 first that doesn't make sense since there is a R50 accountable for. Bidvest get with the programme you are clearly not a peoples bank