****med money

My money went out of my account through online payments that I know nothing of. I went to the bank for help. Its about eighteen transactions with amounts of R174.29, R86.98 and R348.75. The total of the transaction is R3654.89. At the bank they told me that I will have to wait for 7-14 working days for the investigation and if they will refund my account they will take R160 for each transaction which I feel its very unfair because it means they will only refund 650 from the R3654.89 that was taken out of my account. This is such an inconvenience because I have no money for food transport and my child school fees. I will gladly appreciate help. Very frustrated and depressed.