If you have a loan with a bank that debits your loan account with fees and interest, you can request that they send you an invoice for their services and NOT debit your loan account. If they refuse, you can file a complaint with your local consumer protection agency, claiming the bank is charging you twice for the same service. In Australia, it is the Australian Financial Complaints Authority.

Banks and governments do not respond to petitions and requests. You can read possible reasons at Predictable Economics. To get them to do it, we need to get the government to enforce consumer protection and fair trading laws, starting with the banks.