Bad service delivery

A lack of service delivery and knowledgeable staff. Standard Bank seem to in in ghe business of ripping of customers already in a tight business. Why can my bond installment be recalculated on the amount I have already paid? Do I need to move my bond along with my current account which was upgraded to prestige but when asked to have it downgraded, was given the run round. Bongani Radebi does not listen to understand.