Policy not paying & previous complaint not sorted

It's now 21 days after I've logged a complaint with regards to my disability cover that didn't pay on my overdraft account and policy premiums that was deducted after I've advised the bank that I'm unemployed and debit orders returned unpaid due to Standard Bank being @ fault.I've spoken to an agent who would have sorted out this matter and yet no feedback again.I want the reversed debit order costs on my account to be refunded to my account and I want this sorted out now and also the disability policy that I've had on my account to settle my overdraft amount.I've paid this policy for several years and now std bank decided only to pay R700 and odd rand.Std bank keeps on sending sms's that my account is overdrawn,this is not my problem because I've had an policy that was suppose to cover for this but didn't.I want my account to be settled and are unable to make any payments to the accounts due to being unemployed and you can see that no money is going into this account.Please freeze this account as this account is no longer in use and sort out the overdrawn amount with the insurance policy as I won't be making payments