Missing payment and now they won’t give me my money

I made a payment to a Vodapay wallet on the 13th of a March. Despite sending proof of payment the recipient said they didn’t receive the amount. I did a hello Peter post with Vodapay to find out if the person was being truthful and they came back to me on the 20th to say the funds had never been received by the person. I then came back to Capitec to investigate what happened with this money. Once the investigation started, Capitec never came back to me. I had to call on 3 separate occasions before I was told (a month after the fact) that the funds were received by Bidvest (they manage Vodapay) that’s when I followed up with Bidvest who confirmed the funds were received. There’s now a breakdown of trust between the person I was sending the funds to and myself as the person believed I was ****ming them. I asked Bidvest to refund the money as we are no longer in touch due to this whole back and forth with the banks.. Bidvest said Capitec should recall the funds. When I went to Capitec to recall the funds they are saying they can’t do that. As too much time has passed. I want to take this to the ombud now. Who’s fault is it that too much time passed? I contacted the bank within a week to do the missing payment investigation! The bank NEVER GOT BACK TO ME. I had to keep following up. And then the first two times I called there was no feedback except that the investigation is ongoing. So now due to the bank taking their time and not bothering to get back to me, I as the customer suffer the loss of my money? I even had to walk in at a stage/ I’m really going to the ombud with all of this becuase how is this possible? I was even told to open a ***** case and the police themselves said there is no ********ity. There is only negligence by the bank