Bad Service

I have been banking with standard bank for just over 6 months, moved both my personal and business account from thebother bank. In February I lost my business cheque book and reported it immidiately. Despite me reporting there was a series of cheques issues attempts leading to bad record of my statement since this seem like returned debits ultimately affecting my credit record. Now i have put in a car financing aplication with an inhouse finance of an action company, they rejected my application because of the 22 \returned debits.\" Ibdecoded to put my application with Standard bank hoping they would understand the situation, yet the rejected my application for the same reason. I am failing to understand how I would had control over these debits when my bank failed to protect me? Now am finding myself in a situation where I cannot do anything because of the bad record on my bank account, why cant standard bank be able to remove these cheque on my statement so i can maintain my clean credit record? I need someone sowhere yo assist me."