Pathetic service

I have been banking with standard bank for about 16 years. I have my salary, credit card, home loan and vehicle finance with them.. however their service recently is absolutely pathetic. It appears to me that the losses they may have incurred during the lockdown.. they are trying to recover by misleading clients. I recently app**** for a building loan on my existing bond. It was not initially approved in principle because I qualified for the amount. Then later it was declined and I was given the reason that the quotation from my registered contracting company was too low. I was advised to get a higher quote. In a country with a crashing economy, standard bank expects me to ask people to charge me more than their prices for services so I an borrow more from the bank and increase my debt. Then standard bank has increased my insurance premium from R700 to above R1000 just for nothing. I have done no work on my property that would have increased its value. When I phoned them their response was that the value would have increased had I done the building. I tried explaining that the building loan was not approved but as of recent no one understands anything at the call centers.. so I've asked my prestige banker to put a cancellation notice on my bond because no one can help me sort out the insurance premiums.. instead of offering to assist me she emails me a letter that I and my husband must fill and email back to her in order to cancel the bond. I then phoned the call centre and they put a cancellation notice on the bond... no paperwork needed. Everyone is so confused at standard bank. It is definitely a bank we as southern Africans cannot place our financial security in!!! The confusion is too much and they dont value their clients..