Delayed EFT ABSA

My husband made an immediate internet payment from his ABSA account to my standard bank account on Tuesday 31st March at 8:00 pm which I hasn’t reflected in my account until now, 2 days later!! I contacted my bank to enquire why it hasn’t reflected they said they can’t see any problems/ incoming payments held on their side for any reasons and that must contact ABSA. My husband has been trying to contact Absa the whole morning yet he’s been put on hold in the queue for at least 10 min each time!! Obviously my debit orders started going off my account on time with no money in my account!! Who’s supposed to be held responsible for the expenses incurred as a result of my debit orders bouncing off!! This is at least the 3rd time we have the very same issue with ABSA’s immediate payment system within the last few months, where by we get charged the additional fee for an immediate payment yet the beneficiary have to wait a few days to receive payment!! Why are we getting charged additional fee for a service that IS NOT provided efficiently or even provided at all??? Yet in addition to that we have too cute additional losses as a result of this inefficiency?? This is revolting!!!