2nd time my account is cleared by ***** in 6 month

For the second time in less than 6 months my accounts has been cleared via cheque payments going off and I don't have a cheque book. I've opened a ******** case the last time and here we go again. It was explained that should an account not be used within a certain amount of time, the account will be passed on. Mine belonged to a trust before it was assigned to me. So what? Where is my protection after the last time? Also no thing's been done to catch this ********/s that I know of. If they don't correct this by tomorrow since I have a SARS payment loaded to go off tomorrow out of an empty account, I'm changing banks. This is the 3rd time since so far since I've opened an account many years ago with them. Couple of years ago I had to close my account and re-load everything to a new one, due to someone oversease who tried *****ing small amounts at a time - such an inconvenience. Everything is linked so my risk even bigger. And since they're off line today nothing can be done till tomorrow.....but money can be ****** out of my account!