Struggling to get my refund!

I've been without work for a very long time and could not afford repayments on My African Bank Credit Card. May 2017 i had a lady phoning me and i made arrangements to pay R1250 pm. i paid July 2017. I could not pay August 2017 as my daughter was sick and i had to cover medical bills. end of September 2017 they deduct 2 x R2250 from my bank account. That is R4500!!!!!!!! I could not pay school fees, had to make another short loan to cover my rent. i've been struggling with call centre to process a refund. i advised them to refund me the balance, as i'm aware that August did not go off. After numerous phone calls and even a visit to their N1 City branch, i had no luck. Phoned them again today and they told me that the refund was again declined!!!!!!!!!!!! Thank you African Bank for the worst service ever. All i wanted was my money that you had no authority in taking.