**** service from Standard bank after they double debit my account

Lets start off by since we purchased our property in 2016 we have never received a statement. Last month we received a statement to say our account is an arrears by 62sents yet our monthly home loan installment gets debited by standard bank so we could not have short paid. Then this month on the 27th of July 2019 we have noted that or home loan has gone of twice. as a result my FNB account is an arrears and the rest of my debit orders could not go off due to Standard banks negligence. I phoned the contact centre on 4 occasions which comes to an amount of 45 minutes with an answer should you reverse the payment it might affect your bond account. How nice standard ban****!! so its fine for you to take my money without asking or prior arrangement but its not ok for me to reverse the double payment to ensure my childs educational costs, my utility bills and the rest of my accounts are paid.... I am sure im not the only consumer you ****ed off in a manner one can not explain!!!!!!!!!!!!!!!!!!!!!!!!!!!!