Standard bank home loans, BEWARE

When interest rates went down in the country because of covid Standard bank refused to lower my bond installments due to lower interest rate, when inquired about this I didn't get a reason but when the interest rates went back up again after covid lowering my bond repayments went up and still no explanation. Now I have been told I missed a bond installment of R14 500.00 and yet and being listed for R27 000.00 they got their attorneys to chase and recover this money and when I asked the attorney calling me about the discrepancy in the amount he said he would email me the breakdown of the arrears, which to no surprise he never did yet they have now listed me. Bonding with standard bank I never receive statements or reasons for their constant bond increases