Non Disclosure on Home Loan Installment

<p>My home loan was registered on the 02nd Of September 2016. My husband opted for the last day of the month as his preffered debit date. On the 27th he was debitted by Standard Bank, and to add the cherry on top we were debitted R7520.10 but we signed the pre agreement quote in May 2016 with the initial installment being around R6500, I was told that the buildings insurance and initiation fee was included in my installment of R6500. When I had contacted the Home Loans Department I was advised that the insurance and initiation fee is an additional charge over and above the R 6500 ! No were on any document does it show that I am liable for the R7520.10. Conveniently after you debit my account and after I query this with you , the attorney sends me the copy of the Mortgage Bond that was registered ! Who in they right mind will pay R 160 000 over 20 years on R5700 initiation fee. Standard Bank are theives with *********** consultants that are not Fit and Proper to provide Financial Services ! This is absolutely unacceptable. I requested a call back from the Home Loans Manager over a week ago, guess what ? I am still waiting ! I was told that my installment is actually R7520.10 and not R 6500 as advised and should I wish for the installment to decrease to R6800 I need to pay the R 5700. In the first place, why was I not contacted by Standard Bank to inform us of this before you debit our account ? I called in today to get the R5700 recalculated, However I was told to send through a letter and then only will the admin department assist ! If the installment amount had changed, why was proper notification not given ? I will advise anyone to do bank or invest with Standard Bank !</p> <p> </p>