Banks Charges

I went the first 2 months of 2019 unemployed due to contract expired in December and I asked my banker to assist me with stopping all the debit orders as I did not want to get charged when the debits bounces because the charge is R100.00 if 1 debit bounces and after I saw that in the month end of January 2019 I got charged for the debits.

I asked to stop all except for the funeral plan and the vehicle as I have made payment arrangements for those and I all that was done even received confirmation that the debits were stopped but to my surprise month end again the very same debit orders I stopped actually debited from the account that did not have funds.

What bothers me is when I am the one that is behind with payments they run quickly to lawyers to send letters and put more interests but when it is us on the other hand they seem to not give a damn about the clients, I want my money paid back to my account ASAP. It has been more than 3 weeks already and when I speak to my banker I don't get the answers I am looking for as to why am I not getting my refund back.

I know it has being years and years banking with FNB but their services seems to be getting worse and worse, which makes one to think of an alternative.