U fair treatment

I have a personal loan with standard bank. My loan was paid every month and it was up to Dat. During the period of the lock down I app**** for a payment holiday. They had declined me but failed to inform me. Last month I noticed that last month they had tried to debit my account. There is no money going into that bank account. Today I get a call from an agent telling me hat my account has been handed over to them for collection. Gosh it's only been 2 months of non payment and I get handed over. Our President should have said that all a client's should be put on a payment holiday or a payment plan needs to be made. To the standard bank team, I've been let down too mNy times by you and that is they reason why I changing to anothher Bank.