Debiting my money after account is settled

<p>I settled my personal loan with FNB on the 20th of December 2016, on the 21st of December 2016 FNB debits my account for the loan I fully paid the day before. Firstly I'm not sure why they debit on the 21st without my permission when the debit date is on the 25th. So the problem I'm experiencing is my account is now in excess and I put an application in to purchase a house and I think this will have a negative affect on my application.</p> <p>Secondly, I phoned in on the 21st or 22nd of December, not 100% sure which day it was, to request a refund and I was assured that the money will be back in my account 3 - 5 working days.</p> <p>I phoned yesterday and was told that it was only processed yesterday and will reflect in my account before end of business yesterday, but nothing reflected.</p> <p>So I phoned today again and was told the it was only processed today, and should be reflecting end of business today. I've got a feeling that if I leave it today I'll be told the same thing tomorrow and the day after...</p> <p>This is becoming very frustrating, I'm a Platinum Account Holder with FNB, and if I don't get my money back into my account today I'll be moving all my business that I have with FNB to a different bank...</p> <p>My ID number is ********** 095081</p> <p> </p> <p>Regards,</p> <p>Renato </p>