FNB and Eskom

I bought prepaid electricity via cellphone banking, however the tokens given don't work, they tell you to refer to municipality, the municipality sent guys from Eskom out, still not working, I been told that it might never work, just say to FNB this is your fault, you should have never let the transaction go through, if I went and bought groceries and didn't have enough money in my account you would decline the transaction, however today was the third time trying to get hold of FNB to sort out and still no joy. Why didn't the banks and Eskom sort out there confusion. I want my 💰 paid back into my account.