complaint, capitec messing with my life

I bought a lap top and paid using my bank card. I was then charged twice because the machine went offline and only saw it the following day when I went to draw out money from my account that some funds were missing. I went to capiitec the following monday and they gave the 7 day waiting period. On the 8 day they told me it is going to take 14 days for the money to be unreserved by that my electricity would be shut off and I won't be able to pay my application fees for university and yet I have money in the bank. What's fustrating is now they giving me the run around. I cannot go take out short term loans when I have money in the damn bank!