Injustified enrichment - mismanagement of account

I have been a loyal customer for a number of years with ALL my accounts held with SBSA.<br> I have been paying EXTRA into my VAF account since inception (I though this was a GOOD thing??) but the bank has been keeping the funds and not capitalising it as instructed.<br> My account went into \arrears"TEMPORARILY because they then capitalised it sporadically and app**** interest rate changes without informing me (my private banker which I immediately corrected).<br> At the end of my contract"