Money not returned

I had a scheduled transfer to pay off my African Bank credit card at FNB. At the end of October I paid the last amount and cancelled my Scheduled transfer at FNB, but the money was still went to African Bank at the end of November. I called African Bank and explained the story on the 1st of December, they told me I must fax them my ID and a bank statement and they will refund it within 24hours. I am still waiting! Now when I checked my African bank statements. they have deducted. Service Fees,Vat on Service Fees, SMS Fee(I dont get any communication from them) Vat on fees ARREARS INTEREST on money they owe me and Insurance on Nothing??? I want the Full R736.77 paid back to me and all those extra fees cancelled and my Card cancelled!