Capitec mistreating consumers which happen to be their client

I took a loan with Capitec. Unfortunately I went under debt review. Now I asked for settlement in October. After paying the amount end of October, Hyphen send me a statement on 7 November. Mi.d you they deduct money from my bank on the 15th each month and according to the statement they distributed the money just after the 20th to Capitec It appears I overpaid Capitec and now since November I have been back and forth with Capitec and Debtbusters because it appears Capitec is refusing to refund me. I went as far as asking for the whole payment refund then continue with the monthly payments still they refusing I havent received a reasonable response from Capitec.