FNB ****** me of my little money I had.

I wrote here on 30 August 2018 about the loan repayment I had with FNB and I was suppose to have finish it end of August but nooo I'm being told I have to repay it till December now. For the month of August FNB debited my account 3 times for the same loan, I have been sent from pillar to post as I have requested refund of other 2 debits. On Thursday the 30th, FNB consultant phoned me and even sent an email to confirm that the refund will be done within 48 hours but till today the 3rd of September, I haven't received my refund. FNB is making my name to be blacklisted as a bad payer as I am unable to pay other debts because they took all money. FNB is bad people, I am warning you, do not be impressed with their products,is their alibi to put people in debts and blacklisted. I told most of my friends about this dilemma I am going through and they confess that also went through same dilemma with FNB. It's time for me to switch to a better bank that do not rob people of their little money to feed the family. I do not even know how I am going to survive till month end of September because of this lousy bank that just decided to take the little money on top of their debit order.