Standard Bank lets me down and isn't humane

I have had an Access Bond with Standard Bank for several years which I have utilized very successfully. During last year I paid in an additional R 460,000 into the account with the idea that I would draw it out as and I needed it.<br> Late last year in November I closed an account that was being used to service the Bond debit order and because I had paid so much in advance I was slow to let then know that the account must be changed. They after four reversals let me know and I fixed it and paid in the deficit.<br> Now I want to pay University Fees etc. and they say because I defaulted they have taken the facility away, even though I have all this additional money in the account. I have tried endless times to get them to understand,my debit orders were not rejected because of lack of funds, but I just get this cold uncaring attitude. I am told I can re-apply in nine months but as I am a \Bad Payer"I probably wont be approved.<br> So please Standard Bank be reasonable and switch this back on for me"