ABSA REFUSING TO REFUND AFTER EXPLANATION THAT I HAVE NO MONEY TO LIVE FROM FOR THE REST OF THE MONT!!!

ABSA have informed me (AFTER THEY DEDUCTED MONEY WITHOUT NOTIFYING ME OR WITHOUT MY PERMISSION) that they will not refund my R10 000, As per them I haven't paid and there were no debit order arrangement made. I emailed the lawyer before they deducted to ask for an arrangement but they just decide to not look at that. They informed me that they left a balance of 13k in my account which is true, but they do not consider that my rent is R7900.00 my car R4000, My medical aid R1270 and other expenses, food and petrol to work. I want to know why did ABSA not then start deducting amounts for a debit order or send me an email to say they will deduct from my account if I don't arrange for a debit order. ABSA is now refusing to pay back my money or even a portion for me to live from this month! I am a single mother with a 4 month old baby with no second income . I have asked ABSA to refund me and I can make an arrangement for monthly debit order, Thy just respond I can contact collections for arrangement but they do not want to refund me!!