ABSA un-authorised Journal Debit of R16111.94

ABSA has just debited an amount of R16111.94 from my ABSA Savings Account without my consent or any notification. Apon contacting customer care, I was told to call the collections department. After getting through to the Collections Department I was informed that funds were debited due to my Personal Loan outstanding debt which is in arrears. I informed the consultant that this is not allowed and not permitted by law however I was informed that I will not get a refund as I am owing the bank. I explained that this in not my money as I am currently unemployed and funds deposited into my account were for a stokvel distribution. I was told sorry, I will not get a refund, Apon having a discussion with the consultant and the supervisor I continued to asked for assistance as these funds do not belong to me. The supervisor said she can only refund 10% of funds debited, I begged and explained that these funds were not for my Personal use but for distribution to other people. She said she would speak to her manager but can only negotiate for a refund of R9000. I explained that this is not right as these funds do not belong to me. I am unemployed and will not have money to pay the intended beneficiaries who want their money immediately. How does ABSA get away with doing things this way, my life could be in danger due to this as people want their money and I don't know what they will do to me. Why is ABSA not adhering to the South Gauteng High Court Judgement handed down on 27 June 2019 in favour of the NCR in respect of the Common Law Right of Set-Off found in (section 124 of the National Credit Act). The Court Judgement clearly stated that Banks may no-longer take monies from clients accounts to settle a credit agreements withowithout their concent. I URGENTLY need these funds reversed so I can immediately pay the people it was intended for. The banks urge us not to withdraw large sums of cash for stokvel distributions but when monies are in accounts they use technicalities to debit monies from our accounts, even those not intended for our private use. This is not right. ABSA please reverse debited funds.