Standard Bank Theives

I selected the same BOP code when making an overseas payment as I had done previously, then received an email and phone call from the bank, telling me I had to change the BOP code, but in order to do this, they would reject the current payment back to me to re-submit. Upon doing so I received another call telling me that the forward cover on the 1st payment had lapsed and I needed to pay R31k - I rejected this decision, but a month later the bank debited the money anyway, with no explaination. I then also took the matter to the banks customer service department with no replay from them!! I have also reported the matter to the Banking Ombudsman