Home loans

I have been with std for 25 years. I sold my house and transfer is happening 5th Feb. Std has received the cancellation letter. I put a stop payment on my account for the debit order. I only left enough money in my account to pay the other debit orders. Standard put a different premium through on my account and this put my account over the limit as I know from experience that if I put the stop payment on my account it gets paid back into my account. Standard is adament that their payment must go through and they will return my other debit order. I thought I'm in control of what gets paid and what not. I tried to talk to home loans after I held on for 25 min before someone answered. They just say no I need to pay. So I can't even stop my own home loan premium because standard is in charge of my account. They will also charge me R115.00. 00 per returned item. They are getting all their outstanding money's the 5th but I can still loose the buy of my new place if I get unpaid items on my account. I hate standard for tge lack of flexibility but also there is no one to talk to.