FNB Retaining Bond refund for 45 working days!

I have recently switched my home loan from FNB to SA Home loans due to lack of support from FNB during a re-financing application.<br> <br> Upon settlement I had to give FNB 3 months notice of the cancellation in order to not pay a R23,000 early settlement penalty.<br> <br> After the 3 month waiting period we eventually requested settlement figures from FNB. These settlement figures included an amount equal to one months debit order.<br> <br> Upon settling the bond I was informed by FNB that according to their \policy"they are entitled to a 45 working day period in order to refund me the last months debit order by which they overcharged me on the settlement figures.<br> <br> How on earth can they justify not repaying me the money due to me?! I was also informed that no interest would be paid to me on this amount. Basically"