Standard Bank Homeloan is a REAL BIG ****!

My husband and I have two homeloans with Standard Bank South Africa. We are renting out the two properties. We were paying R1,000 and R1,500 extra on the 2 bonds every. month. In 2019, we app**** fir an access bind on both accounts which was approved and we were issued with a bank card. When I went to an ATM to withdraw the money I couldn't. We were not really desperate then, for the money so we used other funds to pay for our daughter's school fees who is studying in Europe. Now we want to pay for her school fees again and I remembered that we have an access bond. I phoned Standard Bank home loans on the 7th of September 2022 and I was told that the access bond is blocked but they will send a message to unblock it. On the 9th of September 2022, I received an sms from the Standard Bank confirming that the access bond was now unblocked. To my surprise the money is not there. One account where we were paying an extra R1,000 has R10,736 only which is way below what we expected. The other account where we were paying R1,500 extra has -R2,850 on the balance. I asked how is this possible when we always have been paying more than the actual installments. We only lowered the installments in May 2021 because our tenants were struggling with the payments due to Covid-19. But still, even if we lowered the payments, they were still above the set actual monthly installments.We need this money like yesterday and our daughter has to go to Europe and complete her studies. On the 10th of September 2022, I went to one Insurance company to check on my investments because we really need money. The other challenge I have is that I don't know how long the investigation at Standard Bank is going to take but we cannot sit down and fold our arms when our daughter 's future is being put at a disadvantage by the bank we trusted. When I related this whole ordeal to the guy who assisted me at that insurance company, about how we were de*****ed the ***** at Standard Bank , he told that he was also ****med by the very same Standard Bank Homeloans. He told me that he was paying R1,000 more on his homeloan account and all that excess money disappeared just like that. Unsuspecting Fellow South Africans, please be warned and wake up to this reality that Standard Bank homeloan department is a REAL BIG ****!