Continuous Bad services

I am very disappointed and very frustrated with standard bank for their poor service that they render to their clients. Last month i requested settlement. amount for the HomeLoan i was told i paid the amount they mentioned i was told going forward i will pay the insurance if the bond is not closed. I was suprised this month they debited the whole amount after i settled the whole amount i called the Homeloan division they are reluctant to reverse the installed i am told to write to request my money with my partner cause is joint account i refused because it was their fault to debit that was not due to them after i settled the balance i was told my wife will be call called to give consent which i agreed they informed that they are processing the reversal instead 10hours later i am told to write letter seeking reversal, Standard bank you need to be ashamed of yourself you are definitely no longer in a business of Customer after so many bad reviews people are writing about your services surely you are not prepared to improve