Complete Lack of service

I have an ongoing query that Std bank never gives a response to other than keep making me pay overdue amounts according to them and getting third party agents to call me and harass me at work.the agent keeps saying i owe much more than in my statement and when i query i am not helped.<br> my queries are<br> 1. The account is in my married surname of and it has been changed without my knowledge or consent<br> 2. I signed for an interest rate of 13.5% but I see that this was changed to 14.25% again without informing me3. I.I have attached a copy of payments that were made , however I made an error on the payment of R800 and missed a number in the reference, please can this be credited to my account.4. I have previously requested that I be forwarded a copy of my statement dating from my first instalment as it seems as if all payments have not been allocated and I also require this for SARS refund ( in my correct surname as this is a FINRENT agreement and I am allowed to claim the vat portion as a refund however I cannot do this when my surname does not reflect correctly. i ahve e mails dating back moths showing what horrible service i have been getting from std bank