Retrenchment Claim

The response offered by Finbond sounds so noble but lacks truth, first they do not state why I did not honour any debit as there was funds on my account as of Nov 2014 and per debit agreement.Secondly, they do not respond to the reason that they refunded initially only to debit later without having spoken to me the Bank Account holder. Third and finaly, if my account was not up to date, how possible that insurance attended to part of the account? I get it that the account is now fully paid up but due considerations from a Mutual Bank should have taken place.Touching the surface does not make the problem to go away but accountability does. I am made now to pay for an employees mistake because nobody from Finbond`s management or customer care contacted me to get my side of the story to have a balanced view before offering a response.