Poor service and non disclosure of staff error

it is with utmost dissppointment that i have to pen this complaint.Ive been trying to resolve a matter with std credit card for the past month with no joy.Ive been pushed from dept to dept and the staff who assist me have no idea what their job entails.It is a simple task which has now become such an arduous task.I requested a copy of my online application for the credit card or the telephonic conversation and STD bank does not have it.Apparently they cannot locate it.This to me now means that there is no legal binding or contract between myself and STD BANK therefore my credit card account should become obsolete.The reason i requested this document because i have a dispute with CREDIT LIFE .I believe i opted for credit life on this card but the consultant that perused or submitted the application did not apply CREDIT LIFE to my policy.It was an error on their part therefore it suddenly appears that they cannot find or locate the contract. As i understand ,if theres no paperwork or proof of a signed contract,,this credit card account should now be written off and closed. I will now engage the credit ombudsman for further advice as legally im am not bound to standard bank.