Never take a loan from Standard Bank

I had a term load which I paid of with the last installment in January. After the installment went through on the 25th, I contacted Standard Bank to ask them to close the account. The person I spoke to said that he couldn't close the account as the installment is not yet reflecting. I asked him about the interest, service and insurance premium as I dont want that to be deducted and then I must pay more to which he responded that it would automatically stop. It did not automatically stop since last week an amount of R104 was deducted for interest now making my paid of loan unpaid again. I then transferred this amount. Now two insurance fees were deducted and two service fees were deducted leaving me, once again paid off loan with a negative balance of R91. I phoned Standard Bank once more. The lady stated that the debit orders will only stop after I phone to cancel and once I have a R0 balance. If I dont stop the account on a negative balance I will have to keep paying interest, insurance and service fees. This now means I have to pay now, keep checking my account until the value is R0 and then phone again to ask a 3rd time to close the account. If I don't stop the account in 5 seconds (before the interest, service fee and insurance goes off again) this cycle begins all over. Further more Standard bank registered a settlement order which is more than the actual current outstanding amount thats in my account. I'm being ******!