Standard Bank charging extra interest on homeloans in addition to the agreed upon interest

I got a bond from Standard Bank in December 2018. Now, Standard Bank never sent me any communication from January 2019 till now. When I called them to check why, they did not give any valid reason. I then decided to ask which address they have on their system. Heavens, they have a wrong address even though they have all the documents from offer to purchase that have the address of the house they financed. I asked the lady (Lindokuhle Windvoel) to correct the address as Standard Bank has all the documents of the house and also it was their mistake and not mine. She then became arrogant and told me that I must go to a branch and do Fica. This is madness, they are the ones who captured the address wrongly and now I must do a FICA. Now with them closing branches, if they can't correct things over the phone, we have to take a train and go to their head office. The second issue is, after immediately asking for a statement yesterday, I discovered that Standard Bank is charging me extra interest on top of what they supposed to. At the end of the statement there is "interest accrued not debited". What is this interest because everything must be debited every month. This bank is *****ing its customers money and I am taking them to the ombudsman. I will also look for another homeloan so that I can move it away from these ******* called standard bank. I would like to warn all new home loan applicants who got finance from this bank to check their statements, they charge an extra amount calling it "interest accrued not debited". Why are they accruing this and not debiting it every month? They are very cunning and robbing customers.