Where do I start?

I took out a consolidation loan about a month ago and the accounts that was agreed to was paid off. The surplus money should have been paid into a My world account. To make a very long story short, I have not received the monies yet and my account was not opened correctly. Two 2-hour visits to the branch. numerous phone call being sent through to about 4 agents every time this has still not been resolved. In the branch on Saturday, they sent an email to the payments department, and I was advised that it will take 48 hours to receive this money. The 5th agent (Yes for today only) I spoke to this morning said she will send an email to the payments department and escalate it. and the SLA for this is 72 hours. I am frustrated and upset. Really why is your service this bad? Juding by the other complaints there is a problem in your bank, and you should start getting your house in order.