PATHETIC SERVICE - STANDARD BANK

Standard bank has got to be the worst bank to ever deal with! So my frustration began with them when they took over a month to assist me with my payment holiday. Eventually after almost 6 weeks I was assisted. During the time that I was awaiting for the payment holiday to be approved, Standard bank debited the instalment. I then requested a refund on the payment. After many phone calls, emails and persistence, I finally received my refund. Standard bank messed up the refund and ended up refunding me twice. I did not realise these funds were in my account and ended up using the funds. I was never contacted by Standard bank to advise me of their mess up. Standard bank then sees it fit to deduct the amount from my account without notifying me now leaving my account overdrawn with pending debit orders. They ended up reversing the entire amount, including the portion that was due to me. I am now sitting on the phone with Standard bank, been on hold for almost 20 minutes so far, and still on hold waiting for assistance. I have never dealt with a more *********** bank in my life! Total waste of time.