Poor service at Standard bank

I'm David and I'd is ***. I'm retrenched at work, I went to standard bank to submit papers of retrenchment. I had the funeral policy with them and because of unemployment we had to cancel it. Now it 4 months after the cancelation and when I check my statement it shows that they are trying to deduct and because there's no funds they fail and charge me crazy interests of R146 per that transaction. I even went to the branch to downgrade my cheque account but no luck this guys they don't care about my situation. Some debit order arrangements was that they will deduct on the 25th of every month now they deduct before the date of agreement and find no funds to my account and standard bank charge and charge crazy amount. I'm unemployed and I can't afford to pay R855. 00 of interest monthly. Standard bank is not good for the poor, they will rob you.