double debit order deduction

I took a top up loan at DirectAxis, the next month, which is November, they deduct double the premium causing me more financial troubles. They had forgotten to close the other loan. The worst part I can only get my money back after 5 to 10 working days when I have debit orders that cannot be paid. I am so disappointed at the way these people work. What was the use of me taking the top up then when they take almost 5000 from my account. If you want headaches work with these kind of people.