FNB Took my Money!!!

On 03 Feb I had an available balance of R30+k in my transactional money market account with FNB. On 04 Feb a 3rd party cheque payment of R130k was made into this acc. On 04 Feb, the 3rd party stopped the cheque. The available balance currently reflects that I have MINUS R98+k available. I called the Investment Contact Centre and spoke to Wendy to rectify this mistake as I should still have access to my original R30+k. She said I should wait for the cancelled cheque to be cleared (after 4 days) before I can withdraw money from my account, as \this is how the system works". This explanation is COMPLETELY unacceptable as I cannot be held accountable for a cancelled cheque and consequently have NO access to the original amount available to me. If this matter is not resolved today"