Invalid credit contract legally flawed and terrible service

I have a standard bank RCP loan for over 2 years. I have never missed a payment and have a good credit score and reputation. Earlier this year I visited Randridge mall branch and requested to increase my RCP and while the consultant was busy with the application, I asked her to show me what she is doing because that is what most consultants applying for credit on a customer's name with the clients personal details do. She said NO and told me she is not allowed to show me their system and what she is doing which alarmed me. It's my personal details she was capturing and I felt I had every right to see what is being done. Nevertheless I let it be and was shocked to find out that I was declined based on affordability. She suggested I apply for a credit card and when she did the application she said I'm declined as I have a credit card which is paid up since 2012 but still on the standard bank system. She then said she would log a call to legal department to remove it which would take about 1 day. I received an email alert to say I should allow them 2 days to resolve and then never got feedback for 1 month. I ended up going to the branch again, this time I complained while there and also app**** for the RCP again. Rendani was the consultant I dealt with. She helped with revolving my RCP loan and called legal to urgently remove the credit card listing and sent a me a paid up confirmation letter about 2 days later. Rendani also assisted me with a elite bank account and constantly reminded me over overdraft offers etc. I asked rendani how is it possible that I came 1 month back and no offers were given and in a nutshell I believe the 1st consultant I dealt with was probably not truly helping me. After 1 week of my RCP increase I went back to the bank to check if the overdraft offer was still on the table and I was informed that I'm eligible. Rendani knew I wanted access to funds immediately therefore made me sign the contract and told me she got her manager to release the funds into my new account bare in mind I had a temporary debit card due to a delay in the elite card delivery which I only found out about when I got to the branch. My husband went to attempt drawing funds while I was still in the branch and sadly he couldn't. Rendani then went to speak to the manager for 1 hour and came back to say that she has to cancel the entire contract I had just signed as I have to have a salary come into my new account in order to unlock this overdraft. I was ****ed of and told her it should have been advised to me from the get go. She then confirmed she cancelled the contract and tried for a Direct access to loan. The direct access loan was not what I wanted after she told me that it still needs to go to the credit department. I told her to cancel the application as I don't want to wait. She confirmed to me it has been cancelled and that she will send me confirmation in the morning. The next morning, I emailed her about everything I was unhappy with and reminded her to send both confirmations on the overdraft and loan ensuring no application went through successfully. She did not respond. At around 12:30pm my internal HR department called me confirming that standard bank verified my employment. I was once again upset as I specifically did not accept or sign any loan contracts and legally am not in agreement with terms and conditions. I immediately emailed Rendani again and called the branch which was impossible because they never answer the phone. Out if desperation I called whereby I played around with the numbers at the end and spoke to a teller at the branch who told me Rendani is on lunch and then put me through the branch manager who knew exactly what transpired. She said that she will call and find out if they released funds and will immediately get back to me. She said Rendani cancelled my application and could vouch for it. I waited and another 40mins went by and no response. When I called back I was told she was on lunch and that Rendani was not at her desk. I then logged on and saw funds were in my account. This was obviously touched and used on my part considering my personal circumstances but I was also under the impression that there was no turning back because they listed it on bureau. I then got a call from Rendani who apologised etc I said they needed to know that legally I signed no contracts and did not accept terms and conditions therefore I don't need to be held liable for credi contracts I did not agree or give consent to. If funds were in my bank account that I did not expect I would have done without. She acknowledged and understood. I then spoke to a team leader (Mapula) from detentions as per service call centre referral. Manila heard everything and said she will immediately escalate. She clearly **** because I followed up on Tuesday and was told she is escalating it only then. On Wednesday Randridge mall branch manager called and said the head office asked that she deal with me. I explained the same to her and that over and above the drama I still never received my elite card. I told her I won't pay for something I legally didn't agree or sign acceptance in and that I still never got confirmation that the overdraft was cancelled as promised. She promised to call back after saying she will be speaking to someone on her end and still another week and nothing has happened. I am appalled by the level if service and absolutely shocked that credit can be so easily released without signed contracts and acceptance from clients. This leaves ample room for ***** in my opinion. I decided to log this on hello Peter because I am just not being heard.