THE MOST EVIL BANK EVER

The worst bank ever and with hidden term. I have a Building Homeloan (building one) with Standard Bank since 2014 and finished building in 2015. Ever since that, I have been paying my monthly installment which is through a debit facility. Yesterday I called Standard Bank Homeloan, wanting to open the access bond and I got a shock of my life. I am told yes, you can open the access bond, however, the extra money you will be putting will be going through to close the negative R14000 in my bond before i can access the money. I was told that according to my approved bond amount and remaining term,I am on below the required remaining balance by about R14000. When I ask the consultant, why since 2015 the Bank didn't tell me about the R14000 and why I don't see this on the Homeloan Statement, I didn't get the answer. I further ask why didn't you increase the debit order to cover the amount behind to ensure that the remaining balance is on par with the remaining term, then no answer. When i ask where is this R14000 coming from, I am told it includes initiation fee and some interest not paid during Building. Again I ask, why the Bank didn't tell me that, the answer is not there. Is this even ethical and fair to have a credit which does not reflect on the statement but the Bank knows about it but not telling the customer. What is the reason for hiding this amount,so that I get demoralized to open the access facility. Why should I continue Banking with such a bank which have hidden amounts and do not seems bothered to do such debt collection? Why you choose not to debit this overdue amount? WHY,WHY WHY WHY?? I will be considering to move all my day to day Accounts to another Bank. You are EVIL