Standard Bank taking MY MONEY for no reason.

As a Standard Bank client for years I am disgusted that their Home Loans Department is so incompetant that none of the consultants can clearly explain the 2 different links for an access bond to it's clients. I was fortunate that I was able to pay off my loan early and wanted to keep my bond open. However, with no amount owing and after "consulting" with the bank many times, this is the second consecutive month that my account has been wrongfully debited. Now Standard Bank is sitting with thousandsof rands of my money in their account that I could invest and be earning interest on or God forbid need in an emergency. I am told that the transaction is irreversable. How is that in anyway ethical!