Closing of Credit Card

Two weeks before the end of the months I settled full outstanding amount as per Settlement letter requested. The end off the month they still deducted from my bank account. On the 30 Sep I requested my Credit Card to be closed as there instalments are very high comparing to my other credit cards. I was informed by SMS refund will be done by the 5th October ***. Its the 6th October still haven't received my refund. And how long is the closure going take? Are you going to wait until month end again so another debit order can go off before you close the account. Please Fix this immediately