Standard Bank NCA non compliance

7/11/2012 settled homeloan in full. Was told by consultant on phone that if I keep account open, I would have funds available in my access bond. Was never informed that insurance would carry on without my knowledge.Insurance was only there to protect bank,why would it be required to carry on. NEVER received any further contact from Standard Bank. Although consultant was told I was settling my account in full, I was never informed of any further implications to my account or myself if the bond was not cancelled.This is a requirement by law! Upon going to find out about taking funds from my access bond, I was told I would have to reapply, a complete contradiction to what I was told. They also informed me that I was in arrears to the tune of about R12000.00 for insurance and bank charges.WHY would Standard Bank not send me any letter of demand for outstanding installments for 3 years.THIS IS TOTALLY UNHEARD OF, normally they would be onto your case if you skip 1 (ONE) payment. I SMELL A RAT, AND A DEAD DECOMPOSING ONE AT THAT. Someone or many people employed by Standard Bank have slipped up, and I am being victimised and made to pay for their stuff up.