****ming Standard Bank homeloans

I am a Standard bank homeloan holder, about 7 years ago I found out by chance that Standard bank had changed my bond repayment period amd added am additional 10 years without asking me or even informing me. They just went ahead on their own and added 10 years. When I tried to enquire about this I was sent from pillar to post and never really got an answer why they had done this. Covid times came and interests rates went down all over the world which meant bond repayments also went down buy mines remained unchanged and when I asked they told me it's because I'm almost done paying for my bond, I then asked what's that got to do with interest rates going down which should mean my bond repayment has to go down too but then no one could answer me or do anything about so I kept on paying unchanged interest rate yet the whole country was paying lass rate thus less bond. Last year they told me my bond balance was R320k and after several payments and I check again they telle my balance is still R320k and not only that but my bond repayments have increased twice despite the fact that there has been no repo rate hike since both these increments on my repayments. All these shanahigans going on with this bond account and not a single person has ever agreed to a face to face meeting to explain what is going on amd all their call center agents always tell me they will get back to me when I enquire. Be very careful and very scared of ****ing Standard bank