dissapointed in Standardbank's services

My father passed away in November 2014. In December after the funeral my mom went to standard bank De Aar and submitted all of his documents they needed for their deceiced department. The people who assisted my mother told her that my father had a protection life cover on everything. My father had a studentloan for me and my sister. theres also a car thats in his name. in the beginning of 2015 , I started gettings calls from standardbanks call centres .. each day and everyday.. I told them that my father passed away and I also told them that I thought that there was lifecovers on everything.. they told me that if thats the case we should submit all the necessary documents cause on their systems they had nothing at that time.. and told me if thats the case im hold liable for payments and threatened me with laywers.. im still a student.. my father just died and my mothers a single parent.. still in the mourning proses .. some people are so inconsiderate.. anyway.. my mother went back to de aar branch and suprisingly everything changed.. they told her that nothing was covered. why give someonr hope.. first do ur job and get the correct info before you consult a mourning widow.