scheduled payment Reversal stupidity

Payment reversal, not possible with scheduled payment per FNB online chat. Only explanation given is because it is not once off. i paid someone manually and forgot to cancel the scheduled payment for that month and the bank says it cant help because of afore mentioned "reason". which is not really explaining. Also why does it cost R325 for eft payment rvs and may take up to 21d at which point the person would have already spent the money?