Standard bank

Standard bank keeps on deducting money from my account for a credit life insurance that i keep on cancelling over and over again. After a long complain they send me proof that the credit life has been cancelled only for them to deduct again this month, they refunded me last week for the previous months without even bothering to call me and ask me which account i prefer to get refunded in, they ended up refunding me in the wrong account. I tried several times to make contact with them, when you call in your on hold up until your airtime finishes, their facebook messenger chats have been unavailable for months and their twitter messenger service is so poor you will be lucky to get a response. I honestly do not know how to het standard bank to hear my cry anymore. I regret getting a loan from them to finance my studies.