Unauthorised debit from Capitec acc

<p>I have lodge a complaint with Capitec bank to reverse the unauthorised debit which when they investigate the found that it is from African bank. I have not given African bank to debit into my account hence I went to the bank to check and request the reversal. What they said is that they want me to go African bank to get the document that state that they must not debit. I then requested to close my account as this will happen always into this account. They also refused. I was talking to the consultant now and he said the unauthorised is when I don't have loan with African bank. They said the policy allows them to give people or bank my account of I'm having a loan. It sounded very strange to me because when banking with them, I felt that it is save and they will not give a person my account without my approval. </p> <p> </p> <p>He mentioned the internal policy that the bank is using gives that permission and I requested a copy so that I can take the matter up. My understanding is that the policy is drawn from acts or legislatures. </p> <p>My question still stand, what is authorised and unauthorised decimation. Giving a person my acc as a bank it is called authorised when I'm owing someone even if I didn't give that authorisation. </p>