Discovery Bank cleared available funds

I received via a notification via the banking app app to on 5 July pay an amount of R1 147.33 by the 30th July, I then made a payment on the same day (5th) against this.

On the 11th of July after a minimum payment was made well in advance, an amount of R7 326.70 was cleared from a different account living me with no funds for the month. Now I'm left stranded while there was a plan which I was following.

To take you back to how we got to the balance, the account was not used more than for 3 years, Discovery kept charging exorbitant interest and fees which amounted to more than R20k I'm not sure whether this is inline with normal banking rules, I'm now trying to close this bill via the monthly payments. I kindly ask that you return the funds and I continue with the minimum payments until this is settled.

In line with the shared conditions I have called the bank to cancel the credit agreement, I'm within the 5 business days period so please ensure all agreements are canceled without any penalties, the consultant told me thats impossible it can only be closed in 11 days from today the 12, the credit card was never used nor collected.