PATHETIC SERVICE FROM FNB

I had a debit order that went through fro a personal loan I had with fnb, this was my last debit order, now on the 28th fnb debits me R1042.75 extra, which they must refund me. I was told I need to wait for 48 hours to get my money back. funny enough, if you reverse a wrongful debit order from another company, it reflects same day when you reverse it. why do I need to wait for 48 when FNB themselves debited me wrongfully!!!! I WAITED FOR 48 HOURS & MY MONEY IS STILL NOT PAID BACK INTO MY ACCOUNT...I NEED THAT MONEY TO BE PAID IMMIDIATELY..WHY MUST I MISS MY OTHER DEBIT ORDERS BECAUSE OF YOUR INCOMPETENCE.!!!? The advisor Lizobin had the nerve to put me on hold for 10 minutes & i'm using my airtime here!!!