Why bother settling

Early in August this year I requested a settlement amount on my loan with Direct Axis. The FULL amount was settled well before their cut-off date of 11 August 2015. Yet another debit order for the full installment was deducted from my account on 28 August 2015. When I queried this, I was informed that my loan account was indeed pretty much in the black. Yet I still had had to supply the *********** Direct Axis with personal banking statements as proof of settlement and the erroneous debit order. Having done this, I was cautiously advised that it could take up to ten working days for the refund to be processed. It has now been more than 20 working days, and yet the refund remains missing in action. I will now be referring this matter to the relevant ombudsman, not only claiming a full refund of the ******* debit order, but also costs incurred and interest lost on the installment. What a truly *********** company, you'd be better off going to a backstreet loan shark.