SA HOME LOAN RIPPING ME OFF

Good day , I’m writing with a heavy heart , SA home loan is the worst I've encountered so far , so I’ve been R13500 for my bond and the correct amount that I was supposed to be paying is R12700 , so basically I’ve been paying in advance for the past 2years . When I called them and asked how much do I have on my advance , they are telling me I only have R1700 , how is that possible while I’ve been paying in advance for me to have R1700. Now they are saying they will send everything to their investigation team. Also pay in mind even last year December I called them asking how much I have in my advance , they still said the same amount R1700, so for 2years I’ve been sitting on R1700. I really need your help, SA home loan is ripping me .

Also with their life cover insurance I’m paying R2600, for and insurance that I’m supposed to be paying less than R1000, I tried calling them so I can cess my life cover to the one I have withSanlam , they still refused , and the life cover has the same benefit as their, actually more than SA Home loan. My house is less than a million but I’m paying R2600 for the life cover insurance , that’s covering me for less than a million . I tried speaking to the consultant Ms ****hinee and and Saloshnie, they were no help at all in fact they were so rude , even my consultant from SA home loan spoke to them, she was not pleased with their response .

Thanking you in advance

Please assist