Pathetic service

I took a loan with STD bank on the 16/02/2016 and as per the consultant and the call center which i called a week later they confirmed the first installment will only be in march as they confirmed\ the loan was taken Within the grace period of 16 days so the loan will deduct in March\" however in Feb i have a insufficient deduction when i called into the call center today they confirm yes i am in arrears informed the consultant that i should not be as that was not what was communicated with me. she also sent me a statment which has a Interbank transfer of R215.40 and this is another charge they did not inform me about. The consultant i spoke to now also said initaition fee is not included in the balance again not one of the things mentioned to me in her words she said \" IT will take long to finish my loan and i should make extra payments\" i want feedback on this and the arrears and which ever interest that was added to it removed as this was not discussed with me and i will take this up with the ombudsman for banking services if i dont get feedback."