unfair charges

I have banked with Standard Bank for 20 years and always thought service was great. Until now when i actually required assistance. I emailed the debt care centre in the 1st week of April requesting a payment holiday after not receiving any feedback almost 4 weeks later i called the client centre. I spoke to a gentleman who had advised that my payment holiday was approved as requested for my loan and credit card. He said there may be a delay in activation, i asked for proof the approval but was advised it reflects on system no need to worry. Now im being harrassed for not paying R150 and been charged R170 late payment fees. Now when i look closer at my standard bank products i realise they not a trustwrorthy insitution to feel they have your best financial interest at heart. I also have an ongoing query with a R36 500 loan that i have paid back approx R82 000 but still remains at the full R36500 owing. Please be cautious taking out any credit products they do not provide upfront clear financial advise. I have no issue paying the R150 it's a minor amount but the late fee of R170 should be reversed for incorrect information provide.