Standard Bank

I have a loan account with Standard Bank. I have been unemployed since last year. I did keep up with my payments but us was difficult over December and January. In Feb a consultant phoned me and said that they need a payment. Obviously I told her that I will have to see when my money comes in. Her words was that the will contact me again on the 28th to discuss. No phone call. The just take all the money that comes in. I do not think according to code of banking that they can take money without asking. I told them to take out the recording with their consultant. Until today nothing. I told them to give me the signed terms and conditions which allows them to debit my acc. Nothing. They also debited my savings account. If they took partial payment it might have been ok. But to take all your money. !!! The debit order was loaded on my current account. They do not care about their customers. I will escalate this to the ombudsman. Because obviously the bank think that they are right in this. And the best of all. When I complained. They ask for your details and that is where it ends.