Incorrect debit date and penalty charges

I have a standard Bank funeral plan for more than a year now. A few mo the ago I put a stop payment payment for the exact amount of the debit because I can no longer afford the premium. The premium has since went off every month even though I paid for the stop payment to be done. Last onto they debited on the 29th instead of the 1st as agreed upon. This caused an unpaid fee of R147!!!! I called the call center to cancel the policy and wasted more than R60 airtime and the policy is still active because today they debited my account again and there is still no money for the premium because I am unemployed. I had to send an email to cancel the policy because you hold on forever wasting your airtime just to be transferred from pillar to post and not getting to speak to the person who cancels the policy. This means that another R147 penalty was charged. I want this policy canceled with immediate effect and all charges reversed. Standard Bank is really becoming disgusting. After this I will close this account and move to another bank. So many people are complaining about Standard Bank but nothing gets done. Something really needs to be done because this is not on!!!