pay bank fees for a bank to tell you what to do and can't just get pushed from pillar to post

I have requested with standard bank consultants over the phone about a loan that I would like to reverse,capfin who I have already spoken who has confirmed that it's my bank that needs to do a reversal,I am unemployed I am in need of this money to pay my rent or else my kids and I are on the street,I need the amount of R1598.40 urgently but get pushed between capfin who says it's my bank and standard bank says it's capfin now what I don't understand is that I pay a high bank charge to standard bank to manage what I would like to be done or what am I paying for,I am going to be on the street with my children and I get no help what so ever for the money that I pay and this is ridiculous,unfair and have no need to bank with a standard bank,hopefully will start a new job in September and will BE CHANGING OVER TO FNB OR ABSA,my family and friends bank with them even capitec and they don't have issue's like this,which is something that I need in my situation.