Double debited

Over the last 3 months my bank account has been double debited the monthly monitoring fees, every month I have queried with their accounts department however to no avail. THE MONTHLY INSTALLATION IS ALSO BEING DEBITED OF MY SPOUSES ACCOUNT OF WHICH SHE IS NOT THE CONTRACT HOLDER. The monitoring fee from contract holder's FNB account and installation from spouse's absa account. WHO PAYS THE BANK CHARGES FOR THE RETURNED DEBIT ORDERS ON MY SPOUSE'S ABSA ACCOUNT AND SUFFERERS THE CONSEQUENCES OF A POOR CREDIT RATING. I would.like to terminate.my debit order arrangements due to the Trust relationship broken and Very poor and disappointing service from the accounts department From the PINETOWN accounts department.