NO #WIN with Standard bank!

In January I found out that I have an insurance policy on my account that is under debt review. It is a credit protection policy through Standard bank. I just can not #WIN with Standard Bank. Apart from the fact that they all of a sudden added a huge amount of money onto my debt (original outstanding amount was roughly R21000. I have already paid over R39000, and now they claim I still over R28000. Meaning I would have paid a total of R67000 on an outstanding balance of R21000!!!) I am under debt review because I cannot work due to chronic illnesses. I have tried since January to get in touch with Standard bank insurance division, sending numerous emails to every email address I could find. I always only get an automated "do not reply" email stating that they will contact me. I have also phoned on numerous occasions but got put through from one person to another, holding on for more than 15 minutes each time before dropping the call because I simply cannot afford the airtime. What must I do Standard Bank to get your help?? I have been a Standard bank customer for 40 years. And THIS is how I get treated?? With no respect, just being ignored over and over and over!