taking no responsibility to sort out an issue

I joined Discovery in 2006. since then i have used like 3 different accounts to pay discovery. also i have been a loyal customer adding on investment products and so on. i made a claim in march 2015 which they paid, into my old supposedly closed standard bank account. Standard bank was going through a system upgrade so discovery kept telling me hold on they are sure it will rejected by Standard bank, Standard bank in the meantime, is not the most efficient when t comes to their call centre, they kept telling me they cannot assist me because their systems were down! after about a month of this back and forth i went into the branch only to discover that my old account has been allocated to someone else. now Standard bank says they cannot claw back the funds and discovery is saying if it was within 21 days of payment made, they would have been able to assist. And yet previously when i spoke to discovery, their response was they can not claw back funds if the bank account is valid.<br> Now R700 later both institutes are not responsible, it would appear i have donated R700 to a standard bank client.<br> how do i get my money back!?