Standard bank **********ly charges & refuses to reimburse

I have been a loyal customer of standard bank for over 35 years. I consult to big banks. They "upgraded" my account without my knowledge or authorization and have been charging nearly R500 per month over the past 3 years on things like private bankers and credit card protection I never asked for nor used, and refused to refund me stating that because I took too long to notice, they have no obligation to refund unauthorized monies taken. I am astounded at their arrogance and level of greed and dishonesty experienced at the seapoint branch. I have sat today with 4 people since 12 noon till 4.30 been left and told to trust them that they would stop charges and take this on a second round of complaint internally when I threatened the ombudsman. They were dishonest in not admitting they never had authorization and one even told me she won't help me because she is busy with prestige customers and since after 3 Years of unwittingly paying for this service, I wanted to downgrade it, she would not assist. Her name is Mardi Potgieter. The manager Colleen Sampson said she would not comment I was free to complain and would not give any time line to get back to me and the other manager Miranda van Zyl who admitted after 2 hours that they had no authority to take these fees. Nevertheless there was nothing she could do to help. I had spoken with her over 2 weeks prior and she had failed to stop the charges or even contact me with a result of the probe. I'm disgusted and now have tosoend time taking this to the ombudsman. How do these banks get away with taking advantage of the fact that most people don't check their statements properly and they just de***** and say if you realized sooner we would have reversed them but your bad that you have been slack. Since when is there a statute of limitations on *****?