Overcharging on Home Loan Interest Rates

Standard bank overcharges grossly on home loan interest rates, they refuse to give payment holidays when you are retrenched, and arrears build up interest to the point where the owner is forced to do a quick sell at less than what the property is worth. It is impossible to resolve or negotiate any issues with staff due to incompetence, lack of training and employing people for the sake of filling quotas. Their behaviour towards clients resembles banking mafia tactics. They are a law onto themselves and charge as they please without any consequence. You would think they are here to assist clients in distress, but they exploit and charge way more than is necessary. I really hope they will pay the price for their greed and incompetence.