New home loans buyers and current homeowners beware of Standard Bank!

What an endless hassle with your Std Bank Home Loans department; we are literally going into the 2nd year of hassles with you; 1) 2019 you increased my premium with more than R2000 without any form of communication nor process - This complaint still lying with the Ombudsman 2) 2020 you are again claiming that I am behind in payment and you keep on harassing me for "late payments" 3) What I am able to prove; 1) Regular payments made every month even before month-end 2) I always try and pay that little more every month. All of these payments shows on my statements 4) To my understanding from a session with one of your consultants, Maria Mokwena; 1) You changed the payment date to the 18th of every month?? I never get paid in the middle of the month PERIOD. 2) Because of this you rate me as a late payer and charge to my account more interest! I paid end Nov, paid early in Dec using extra monies yet you claim mid- Jan that I am R11928.7 in arrears. This amount you use then for additional interest. To my this is ***** as you are charging additional interest for an arrears amount that does not exits. You never send statements anyways so now I need to pay an auditor to investigate this matter. If you have been overcharging me on interest? What then? I am feeling very very positive on this as my interest amounts are ranging from R9487 to R11347.