Standard Bank Homeloans

I emailed the customer care on 21 April 2022 and after no feedback called the callcentre and after giving me a referrence number still got no concrete answers on why my 3 homeloans have a longer repayments term than the original agreements. After going to my loacal branch in Bloemfontein efen the staff member is still not able to give me answeres. The only thing I got in May 2022 was a SMS giving me a new installment of just under R6000 per month more! Also having no answers on why they would charge you 12 months more for a payment holiday of 3 months....they offered with no or the minimum of T&C's. After various emails and calls not 1 manager or person with the knowledgee is willing to communicate or explain. If my relatively small bonds is such a unexplainebale mess what is your system on the rest of your clientebase credit facilities? How can you increase a homeloan repayment wit aroune R6000 per month with NO explanaition or affordability?