Excruciatingly bad and appalling service from Standard Bank.

If I could I could rate Standard Bank a negative 5 starts. I am absolutely not pleased with the kind of experience I am getting with them. I have a vehicle that is financed by Standard Bank. Standard Bank has been unable to debit the monthly premium from my account and why they cannot I am still searching for answers till this day. I got this car last year (2022) September and from then I have been having problems with them. Each and every month I call Standard Bank and beg them to deduct their monthly premium, I enquire as to why they are not deducting and I am always told that they do not know why however, the problem is fixed and the following month debits will go off the next month. I always end up having to send EFT’s to pay my instalment of which that is not helping me build my credit because every month I wait for Standard Bank to debit on the 15 and then I usually call them the following day with my enquires and I usually end up making payments days later because I’m waiting for Standard Bank to deduct. Since December 2022 I have been telling people from Standard Bank how this is creating bad credit for me, I’ve been assured that this won’t impact my name at credit bereau, I then asked for that to be given to me in writing for future references, however that’s when Standard Bank claimed that they can’t provide this in written however they can assure me that my credit and reputation won’t be affected. 2023 now I’m getting called by credit collecting organising to come fetch my car till payments are made. Yes still Standard Bank is not deducting. Standard Bank is not helping me explain the matter to the credit collectors that they gave over my account to. I also get told by Standard Bank that my account while I was applying for my car was put under a category of people that will be cash payers, I enquired about this at Eastern Cape Motors where I purchased the car. People from Eastern Cape motors were amazed by this information as they have never heard of someone paying cash monthly instalments over a financed car. I have spent every month ever since I’ve received the car calling Standard Bank to fix this issue. Each and every month I’ve been assured that it’s fixed and the following month things will changed however things never change. My credit reputation is being ruined and workers from Standard Bank branches and workers I speak to over the phone all claim that they have never experienced a matter like mine and non of them know how to assist me with it. No one from Standard Bank seems to car about the implications that are happening on my side that time I go to work each and every single day and I ensure that I get paid on time and that there is money for my debit orders to deduct from. I also received a call with new information this month (March 2023) from Standard Bank claiming that Standard Bank is actually attempting to deduct each month however they always never find any money in my account. Of which this statement is incorrect because I never receive any transactions or any bank charges from FNB for having insufficient funds for a debit order. Matters now have escalated as now Standard Bank of s charging me R4000 for having an account that is in arrears. Which i believe to be unfair because has Standard Bank been deducting like they should my account wouldn’t be in arrears. Workers now from Standard Bank are telling me that “errors happen all the time however it is my responsibility to pay because the car is in my possession” which is unfair because I gave Standard Bank my banking details, I’ve accepted a debit check mandate, so I believe that from my side I’ve done what they’ve asked me to do, now they need to do what they said they would do which is to simply ensure that the debit orders go off because now they are ruining my reputation and credit for something and accusing me for it. I have exhausted all options at this point and in urgent need for someone to assist me with this matter.