incorrect debit orders and unpaid refunds

African bank incorrectly debited my account (as they do most months) But this month on the 15th December. I was advise 3 days ago that they would process the refund and take the debit order off on the 29th (as per our contract) Still no refund and the money is still sitting in my credit card. <br> <br> On many occasions African Bank debit on the 28th instead of the 29th which means I incur R57.00 in charges every time. <br> <br> Shocking service from consultants and false promises!