Standard Bank SA charging gardens fees on a bond and Life cover premium more than the bond installment

Standard Bank charges GSARDEN FEES to my mortgage bond, highly ******* yet i don't have a garden to maintain or never ever signed up for any garden service, i will advise the NCR , the consumer ombudsman and PASA about this as well. My bond is in arrears yet they debit these unofficial amounts and put me further into arrears, from 2018 i have been asking STD to cancel the high excessive life cover on my bond to no avail , i asked their attorneys from March 2021 still no action , i called and phoned STD Bank offices to cancel life cover on my bond, nothing still, their Life cover premium is more than my bond instalment and it was their own broker who sold the product. Even though i lost my job due to lockdown , i paid regularly even if it was short, last December STD proceeded to summary Judgement yet their own attorney in the summary judgement who claims to have access to all records don't ever see my R100.000 payment into the bond. STD Bank i publicly ask you to please cancel my life cover on the bond so that i can afford the bond, Please recalculate a new instalment on my bond after you remove the life cover and note my R100.000 payment which was my life savings / investments just to save my house. Your slogan " IT CAN BE " is not working , try another one, for me it is "IT CANT BE" ,