Capetec Bank Refund Nightmare

From pillar to post I have been taken for over a month now. I was under debt review and settled my last account. Even having spoken to Debt Busters and informing them to please move debit order as the date they wanted to debit me on was not the agreed upon date. They ran their debit distributed the amounts and then leaving Capitec Loan over paid. I requested a refund in early January, together with my clearance certificate. Lauren Damon sent me an email informing me that Capitec bank will be paying in 10 working days. 12 January, the 25 of January still nothing. I send email. Then Sinoxolo is now following up from Debtbusters to Capitec bank. Capitec Bank then says that there was some sort of issue and that they will be processing the request. 01 February Sinoxolo contacted Capitec and it was said I would be refunded. Still nothing. I call Capitec bank for two days in a row because if you don't say hello they will hang up on you. Nicole Boltney then sends the email to Bronwyn Louw saying she is escalating the matter as she could see that I have been sending emails. Mind you this acknowledgement of my emails shows the lack if urgency in wanting to assist the client. on the telephone i asked how long will it take to get feedback... 24 to 48 hours... That was on 09 February... Today is 15 February No communication. Capitec won't pay me back my refund. It is my money. I paid in full. When you have to pay they are quick to deduct but when they have to refund you must wait. Until when?? When willl i receive my refund.