Terrible treatment of Pensioners

I am very appalled at the level of service and exploitation standard bank gives to a pensioner and widow. my husband pass away and as a result I was not able to pay my credit card. I then made arrangement with standard bank to pay the amount outstanding. They then also advised that this account would then be closed and I would need to reapply should I need a credit card. I have been paying diligently for some time now and the amount does not go down at all. only to find out that insurance is still being deducted from this closed account and not only 1 but 2 insurance premiums from standard bank???!! I mean really, if you close the account surely insurance is null and void since its no longer valid? Further more why I am I being charged for 2 sets of cover? Dr*** and Dr***. If that is the case they can just as well settle this account since my husband passed away and he was giving me an allowance to pay my expenses.