Capfin owes my wife,blacklist her

My wife Glory Manzini took out a loan at Capfin which was paid up earlier in 2013. In December of the same year,Capfin deducted two amounts from her bank account,which totalled well over R1600. The money has never been refunded to her up to this day. Again in August/September 2014,Capfin deducted a further +- R1300 from her account. Fortunately she was refunded this amount with an apology,an assurance that it will never happen again and a promise that they will refund the R1600 plus they ********ly deducted in 2013. They never got back to her. Then late last year she got a call from Capfin demanding more money. I later received 2 sms on my phone,informing my wife that she has been handed over for blacklisting. I emailed info@capfin and explained the situation. The reply came via van As legal who informed us that the matter has been handed to VVM,and we should consult them instead. Capfin did not even make an attempt to re check their records,for them the matter was dealt with. So it's a case of ''Capfin is always right,the customer is always wrong''. Sort out this mess please. We demand that you refund the R1600 plus and clear my wife's name immediately.