I am let down, really.

This is really bad, when I took the bond I was never told about the initiation fee that needed to be paid let alone the fact that there will be extra interest that would accumulate until the first debit order that was actually set by you guys, now less than a year later I am expected to pay over double of what the initial initiation fee that by the way, (I could have paid upfront had I been informed about it) in interest. All this I notice because after all these months that I have been paying extra for the bond, I am yet to have even a single cent showing in the access bond part of this loan.