Refund

FNB Personal Loans - I missed a payment on my loan and made arrangements for arrears to be debited over 3 months. Debit order went off on the 28th ofJune as per arrangement. To my surprise another debit order went off on the 2nd of July. I called the call centre on the 3rd of July and consultant confirmed that a refund will be done and it will take 3 - 5 working days. I made numerous calls to follow up on the refund and spoke to one of the managers, Muneeb Davies. He promised that the money would be in my account on Monday. Muneeb keeps on promising to call me back with feedback but doesn't keep his word. I'm the one who keeps on doing the follow-up and 14 days later money still not refunded. Useless managers who can't keep their promises to clients.