Standard bank is *****

I requested my installment for standard bank VAF to be fixed at R6000, unfortunately every time there’s rate change, i have to use my airtime to remind standard bank VAF about my installment request, I have made peace with it because there’s no improvement. Recently to my surprise I received a call from Standard bank VAF informing me about my next debit order being above R8000, note I only requested to be increased to R6000. Apparently there’s an insurance deduction of more than R2000 premium attached to my account. To my surprise I never signed up for any insurance beside with Alexander forbes insurance, meaning standard bank initiated an insurance without my approval, nor my consent and knowledge. Anyway I forwarded my insurance documents to VAF to confirm I have my own insurance. During the debit order dat, R8274.63 is deducted from my account for VAF. Standard bank has broken our contract and trust, and also broken the NCR rules. How do you initiate an insurance without my consent? Meaning I should also worry about ***** internally than externally. VAF ***