Still waiting for my refund!

I settled an account with Direct Axis on 12 August 2015, and was told that there would be no further debits off my account as I no longer owed any money on my account since it was closed. And yet, on 25 August, my account was debited for the installment amount. What makes me so angry is that when I phone I wait forever to speak to somebody and get told I will be refunded within 10 working days. I have emailed Direct Axis on numerous occasions on the customer care email address and have also sent proof of the money debited from my account to the manager, namely Anwar Padayachee but to date, I have had no response other than an automated reply. This is disgusting service and I now demand answers!!!!! I want my refund please!!!