over charg and no records for my agreement

I have 2 credit cards with standard bank, and I have been charged more every month, when I ask for the copy that they said I signed and agree too they tell me they don't have those records, 2 and I'm told that I didn't pay my other card,yet I did even have a slip for my deposit 3rd I went to deposit at an ATM last week at maponya mall and when i deposit I cancelled the transaction cause the account details didn't match but the ATM didn't bring back my money, I emailed customer service and till today I have received any feedback with those regards, I feel my rights to fair and honest dealings are violeted and now I'm also charged 240 to place my credit cards,but they say I pay for card protection plan, this has been going for more than a month,cause I haven't been using my cards for more than a year and paying every month but I see no difference especially on the blue bean card,