********** debit orders

Ever since I have been 'forced' to change to a cheque account its been problems on problems on problems?. I was given an overdraft which I did not even request for, probably an elaborate plan to take more of my money with their "ledger" charges. Recently I've been observing that there are certain accounts with the same name as their Credit card debits NAEDO TRACK or sonething which go off on my account but funny enough only one shows up on my credit card statement was one. The ones for R89, R99 and R129,99 were not. Upon querying this Im told they are unable to get hold of the company that deducted R129,99 off my account every month so the debit orders cannot be reversed. This is crazy!!! I want my money back. These companies were sometimes deducting twice a month on my account.