Standard Bank is TOTALLY ***********!!!!!!

A vehicle & asset finance account was settled and confirmation letter was sent dated 5 Sept 2014. 2 years later i received an sms saying vehicle & asset finance will be debiting my account. I thought the sms was sent in error. However 2 days later R18000 was taken out of my account from std bank. I did raise this with the relevant dept and was told that I owe the bank R110K and what ever letter I received is not valid. I am beyond upset. All my debits have been returned & now I have to pay for that too..(i) who gives std bank the right to just take my money (ii) how come nothing has been said in the last 2 years now suddenly this? Std bank needs to correct this. Me & my family are going to close our accounts, & moving to FNB. I have contacted my lawyer & will not take this lightly. I am a father of 2 small kids & a wife who have no money to get thru to pay day. This is the 3rd time std bank has messed me & my family around. No more!!!