Unacceptable behaviour

I'm a long standing customer with standard bank, as a bank you guys are great but as different divisions you pathetic especially your insurance department. I really feel like canceling all my accounts and move to a different bank. I really dam disgusted by the way I'm being treated.

1. I have debit orders that is suppose to be taken on the 1st of every Month as I get paid on the last day of the month but as soon as there is money in my account debit orders go off from 28th, last Mont I had 3 deductions before the first and was suppose to pay honoring fees to almost the amount of R500. When I called I was told I need to check with the individual departments, as if I really have time to sit and wait for long on the phone until I am helped. 2.End of May I noticed that I was charged more for my vechile, when I checked I saw that there was an extra R525 deducted for motor ass cover. When I called to find out who gave permission for this deduction I was told that they send me an e-mail in Feb to produce confirmation of insurance. My question? Who gives you the right to make decisions on my behalf and why 3 months later extra money is being deducted? When I asked to be refunded I now have to wait up to 2 weeks for my own money.

This is unacceptable and I would like someone to phone me regarding these issues and I don't care for your automatic response that you going to give me in this platform as I see everybody gets the same response.