Standard Bank Costing me money and forcing me into overdraft

I have recently bought a house on sectional title. My first complaint is that they added Homeowners insurance which apparently should not be added to a sectional title as it is included in my levies. I have been trying to cancel this since the house was put over into my name on 8 March. After struggling on the phone for hours I went into the bank hoping to see someone face to face...but they put me through to the call center and again I spoke to 6 different people leaving me with more questions than answers. So for the last 2 Months I have been paying insurance to 2 different companies, even though I have faxed through all the documents requested by Standard bank. I want my money back. Secondly in the first month my installment came off as a stop order as well as a debit order (double deduction) I again Faxed through all documents needed and it took 3weeks and countless calls to get my money back, only AFTER I had been put into overdraft costing me unnecessary penalties. I want my money back. I THEN find out that my installment for the second month would be higher and I increased my stop order faxing AND emailing my payslip to prove it had been increased (so this month an extra +-R500 has been debited, which includes the homeowners insurance I have cancelled countless times AND the difference between the previous stop order amount and new installment) so this month I am going to be flung into overdraft again, causing more penalties. Give me back my money. The only way you can communicate with "back office" is through fax, I have been told. making their payoff line a joke "Moving Forward" Oh and let me tell you about Staff member Phumla Slaffa. working with her was like pulling teeth, I'd email the documents I thought she needed and she would ignore the email and again ask me for the documents. It ended with me sending the following out of desperation: Phumla... Please acknowledge my previous emails and tell me what I am doing wrong so as to not make it clear that I want to cancel the home owners insurance. To which there was no reply. If I'm sending the incorrect documents, tell me and tell me where to find/get the documents you need or even just what they would look like. If this is how first time homeowners are treated I suggest you never buy a house if it is going to be funded through Standard Bank.