Bond cover negligence

3 years ago both my parents passed on two weeks apart due to covid. I am the only child and was left with a huge amount of debt. 5 months prior to my mom's passing she took out a second bond on the house for renovations. A few months after she has passed I was notified by Sanlam who are the executors that there was no cover on any of my moms bonds on the house.

From my knowledge I know that cover is voluntary. But does the bank not do risk profiling before handing out large sums of money? She and my dad were divorced. She was a single parents over the age of 50 in the heart of covid and use gave her no cover. 5 months down line she passes on now use want full repayment back. That is daylight *******.

How do you give someone a bond with no cover and no guarantee that if something happens use can get your money back?

Municipal valuation was at 830k but on the second bond her repayment was about 1.3m? How did use calculate risk if something was to happen to her?

In the end I was forced to sell the property which was my childhood home because of negligence and I will be taking this further as I feel I was done wrong in the situation.

Another bad experience with standard bank was when I went into the bank to notify them of my mom's passing. I was assured that all her accounts would be blocked immediately. The following month came and I saw her work paid her last salary in. After that a bunch of payments went off. I then went back to the bank to ask what happened and the consultant never blocked the account an allowed the payments to go through. They assured me that they would rectify the mistake. This happened in 2021. We are almost headed into 2025 at this point.

So please do respond swiftly as I want this matter to be resolved very quickly.