fnb and mtn

I'M at my wits end with FNB and MTN both parties have been sending me from pillar to post. I have been trying to send money via e wallet from this morning at 10:00 and till now and the time is 17:01. Every time I try it kicks me out before I complete the transaction and yet my airtime I depleted when I try again it says I have insufficient funds to complete the transaction yet I have airtime then it gives me an error msg after restarting and being refreshed by an MTN consultant of internal service error (12312) a consultant from FNB confirmed that all is in order and my service provider MTN is the one with the problem . I have spoken to numerous consultant that confirmed that their network is down and must keep trying hence they refreshed me on the system now that I'm telling them that I want my airtime that has been depleted even though I never completed the transaction they tell me the code *120*321# doesn't use connection FNB must solve the matter so I'm hoping now that both parties will resolve this matter because its utter nonsense for people to pass the buck is such huge institutions