MoneyGram Reference Number Not Smsed

I sent money using cellphone banking with moneygram to my beneficiary which I needed to use while on holiday in that country. Normally an sms is sent with a reference number so that the beneficiary can get the money. This time round that never happened, and when I called after long waiting call period, I was told by the customer service they could not assist me and that I needed to go to any nearby FNB branch for assistance. I was on Holiday and I needed the money and there was no way I could find the FNB branch in a foreign country. When I returned back to South Africa, I went to the nearest branch to get the transaction reversed because I never got to use the money as Intended due to the reference number that was never sent to me, I was told that can be done but I will need to pay for all MoneyGram charges and also get less money back due to exchange rates!! The Bank fails to accept risk due to there inconveniences and want me to bear it all. That's poor customer service to me! And am still waiting for them to refund back the money supposed to be transacted.