Day light *******

I have contract with wesbank since 2017. I called them so that they can breakdown my statement for me. But got no joy. They failed to explain actual contract balance. Account balance and advance amount on my statement. Then they sent me the detailed statement from the begining of the contract. On the statement i recovered that there is an amount of over R40000 that is said to be restructuring amount on my contract without my knowledge. This means its no longer my contract they made decision that affect my finances without my approval.