Worst case scenario

<p>I have a cheque account with standard bank of which it had 2 debit orders one for credit card nd other one for revolving loan. Both these debit orders are for standard bank. </p> <p>Unfortunately I lost my job so I couldn't keep up with these debit orders, no income in my account so the debit orders were bouncing back leaving my cheque account with negative balance.</p> <p>Well I asked the Credit card guys to cancel debit order since I have no funds coming in of which they did.</p> <p>I went to Durban branch Cnr Broad street nd Smith street to close my cheque account since it has always been on negative balance I paid about R380 settling the negative balance but then they couldn't close the account since the loan debit order was running.</p> <p>I asked if they could at least change this account to savings account, one question they asked me was how much will I be saving into the account, I did not have a figure of how much since I don't have any form of income then resulting in failing to close the account.</p> <p> </p> <p>Following month loan debit order bounced charging me large amount of fees plus my account fees, so now the loan guys called nd I asked them to cancel debit order of which they did but the problem now is my cheque account still have a negative balance of which I'm struggling to settle. I don't understand why the bank doesn't shut the inactive account without charging it!! </p> <p>They can see the account is at stale nothing is coming in and nothing is going out its only these monthly charges which are ridiculous!!</p> <p>Whenever I get the job I'm afraid to say I'm never using standard bank anymore!!</p>