Day light *******!

I have now sent two seperate emails to African Bank with no reply. This company took money out of my account for a loan payment 10 days before my debit order was due to go off - I was not even paid yet. I called them on the day (16 December 2019) - explaining I needed the money refunded immediately, as I needed to make final payment on holiday accommodation. They then insisted on a bank statement (please note this is a public holiday) and only refunded me the next afternoon - too late for me to secure my reservation.

I have now lost a holiday and a large deposit that I had paid two months ago. I was never asked if my account could be debited early and never agreed to anything. This is against the agreement I have with the bank and therefore is a breach of contract. My account has been up to date from the day I took the loan.

I expect to be compensated in FULL for the deposit I lost.