Absa OBS Loans, Money Taken

Absa (OBS Loans) Have deducted R47,639.42 from my savings account in one go at the beginning of September without my consent or notification, no payment arrangements were made by Absa, I had informed them that I have been unemployed, hence I haven’t made continuous payments on this loan taken at the beginning of 2016, Absa then informed me that the money would be refunded to my account, after a week of no payment I got hold of Absa who then informed me they have changed their minds & no refund would be made, Absa are now ignoring me despite me sending numerous emails every day since September, they refuse to send me any statements or paperwork regarding this, I have also spoken to the Absa Action Line & Debt Recovery Line who have no records of this transaction? Surely there is some sort of insurance I was was paying every month to cover the loan if I am unemployed? Absa needs to refund my account & make the proper payment arrangements with me! Very Bad Service indeed!