Standard Bank Home Loans

We have a joint Bond with Standard Bank for the past 18 years. My husband passed away in February 2020, its been 2 years, 1 month and 1 week since. When we notified the bank we started noticing discrepancies, The Banking Ombudsman of South-Africa has seen merit in our case and a case was registered with them. The following ***** and Unfair Banking Practices was found (proof available, due to the POPI act it can't be uploaded). We have a split Interest Rate from date of Inception for the Entire term of your Bond, not 2 years or 5 years, which is common practice, we've been overcharged on this rate for the full term of our bond with 1%. This was proved to be an over charge of R351,000.00 over 18 years, the bank credited the amount back to the bond. Then we noticed that the Split of the 2 Interest rates are incorrect, This was an additional overcharge of 1.25% on R90,777.00 over 16 years ****il the time my husband passed away). This amount has not been corrected as yet. There is also a 1.5% that the Reserve Bank charges on the amount above 80% of the Entire Bond, this means that the Bank can only charge the 1.5% on 20% of the Bond for the Reserve Bank, it was found that the Bank charged us on the Entire Bond, this issue has not been resolved. There a few other issues as well. We've been working closely with the Bank to get these issues resolved (myself, my husbands Late Estate Brokers and Attorney), however its been an up hill battle. I'm posting, please check your contracts to your statements and make sure that your charges are correct. The entire banking system is incorrect, statements are incorrect. We're currently dealing with our 24th person at Standard Bank over the span of 2 years. I'm sure even by posting, Standard Bank will not respond or look into these issues , please go through your documents, make sure that everything is correct, if not log a complaint, don't just write if of that it can't be that much. I have posted amounts at the top, these amounts acumelate, they become rather large amounts. (over 600 emails to Standard Bank)