Account status

1)<br> I settled my account the 11'th of November, which reflects in the statement. The statement also reflects at the 15'th that there's an amount of R1740.33 in credit. When I inquired about the credit amount, I was given a long explanation why it's not actually credit. I disagree. The statement clearly shows that there is a credit and I'm of understanding that it should be paid out to me.<br> 2)<br> Today I received a sms that the Direct Axis debit order has been declined at the bank and I must phone them regarding my account. When I phoned them, I was told there is not such an account on their system, which is right it has been closed. So, Direct Axis want to debit money to a closed account. Unfortunately for them I already stopped the debit order when I settled my account. It's bothersome that Direct Axis want to debit my account that doesn't exist anymore. <br> 3)<br> Every time I made contact with Direct Axis via email, I was told that a consultant will contact me, but the only contact I receive is a sms that says I must call them. So, they let me know I must phone them, while they state that they will phone me, costing me money to contact them! This is bad practice