****ing ****ed

So Standardbank decided to take an extra R1000 for my car without my consent! When I call in they tell it is for insurance and if I have my own insurance I should provide proof and my money will be returned, I was not contacted for this otherwise they would know that I'm insure by outsurance! So after two years of paying for my car consistently only now during the pandemic they (standardbank) decide I dont have insurance and they should just debit me extra and put me more debt because all my money is allocated for! Especially now because of the pandemic but my debits bounced and of course this bank charged me for it! I then tried to contact VAF and all I was told is to send proof of insurance to an email address that does not work! I cannot afford to drive with my money to fix what I did not cause, i have already proceeded through the legal root to resolve this because it is my (the client) responsibility to get insurance not for Standardbank to take my money without my knowledge! That's *****!! I am very unsettled by this because they (standardbank) are supposed to make life easier for us not rob us of our money because even if they do refund me which they will, all the other charges I got because of debits that bounce won't be paid! To be set back with a R1000 is maybe nothing for Standardbank but for the average joe like myself it is alot of money and by doing what they did I AM already in debt! So cudos STANDARDBANK!! U have made my life hell! I will be switching to a bank with more respect for clients and which is not ********** by taking client's money without the client's knowledge! What is worse is that especially during this trying time we need all the little money we have but Standardbank is so competent that they just decide to assume I dont have insurance after 2 years of consistently paying for my car! Wow