Making customers pay for their incompetence.

I wake up this morning with an incontact massage that my account has been debited with the following amounts R349.99 and R1299.00 on my personal acc and R989.00 on my business acc ,i phoned the ***** department from my bank and explained that those debits are for purchases made in july so EDGARS did not do their banking in time,so if they didnt bank their money on time this happens and is their fauld that they did not.Now both my accounts are having a debit balance(overdrawn) i went to EDGARS this morning and phoned the head office customer service i was told to talk to my bank,the bank is the one having a problem not EDGARS band i told them there are people from different banks,and told to visit my bank and i did,i got to the bank they explain the same story that its the stores fault they did not do their work.so now why should i pay for someones mistake with my credit record and why should i be inconvenienced because when i hace money i go to buy,now i dont have money and my account is debited.i am a customer i dont need to be punished for their faults.i want my bank account in normal state and not minuses,