Standard Bank Home Loans Access Bond Failure

I have been a client with standard bank for many years and have had a home loan for about 15 years. I app**** for a access bond many years back for which the access bond allowed me to put some extra cash in and draw out if I needed. So last year with the turn of the economy and me being self employed I have missed some debit orders but always caught them up a few days after when cash became available. My account has never been in arrears. So it was to my shock when I tried to access the bond for financial assistance that I found it was blocked bearing in mind the account was never in arrears for more than about a week and not every month did I miss the debit order date. I have tried numerous occasions to seek assistance from standard bank home loans but have been coldly shut down every time. I am really disappointed with standard bank home loans for not assisting me when I really needed them. I tried once more today if I can maybe get assistance from a person with authority but again found robot consultants that follow a prescribed sequence and get taught to adhere to, no good old genuine customer assistance. I have now realized that standard bank try's to cloud their responsibility and accountability to their clients by distancing themselves from their clients through their CALL CENTRES. The call centers are really of no hope in helping their clients. So now the question is what is the advantage of keeping my home loan account with standard bank? They closed my access bond without advising me through email, post or a phone call, very unprofessional in my opinion. I wanted to put some cash in my home loan access bond but got told on the phone to reapply for an access bond and if I miss my debit order it will be closed again and I have to reapply.