Bad response from Client service.

I had two bad separate experience with discovery in 2 weeks. First off all I was admitted to hospital and was requested to pay R5600 to the hospital. I understand that and I also requested that Discovery make a special request so that funds can be paid back to me out of my MSA. I have submitted the the required docs and it has been 2 week without any success? Team leaders have promised me a couple of times that they will get back to me. Still waiting for them to get back to me. Second of all i requested Discovery for there banking details so that I can make my monthly contribution on the 27th July. I almost received the banking details immediately. I made the payment on the 30th and on the 2 of august the amount again was debited from my account where no fudns was available. FNB charged me R140 and when i phoned Discovery the lady said to me that is bad luck and the way it is. I requested a supervisor and she also said to me Discovery will not pay for the reversed transaction. It was definitely not a mistake on my side and Discovery is dropping the ball. No that I have an option of choosing my medical aid at work i will definitely look at other medical aids... Frustrated!!!