SETTLEMENT AMOUNT AND STANDARD BANK SERVICE

I'm in the process of settling my loan acc '& phoned Standard bank 4 times yesterday & 1 X before for my settlement amount. I did get the settlement amount yesterday & made two Internet transfers to the account last night and again @ 4am this morning. My problem is, that due to the payments not reflecting on the date i made the payments, my account is still running interest so i will have to pay more. so even though this account is paid up i will owe more in 3 days time.... that is apparently how long it might take for the payments to reflect. Also i cannot send the proof of payments through to anyone as there are NO EMAIL SERVICE at Standard bank. Nobody receives emails. I have spoken to 4 people for the settlement amount alone & every one of those people had a different story. The first person I spoke to gave me the settlement amount (about three/four weeks ago) without asking to many questions. After the debit order went through my bank I phoned again yesterday and had either issues with security conerns or nobody could mail me the info i needed, they also gave me the bank details over the phone to make payment. No email access? I am not prepared to pay more & refuse to accept!!