UNAUTHORISED TRANSACTION WENT THROUGH ON MY CARD WITH NOT ENOUGH FUNDS IN ACCOUNT.

ON THE 18TH JUNE A TRANSACTION FROM AGODA.COM WENT OFF MY CHEQUE ACCOUNT, I THEN CALLED FNB WHERE THEY SAID I NEED TO FILL IN A DEBIT CARD DISPUTE FORM, THIS NOW APPARENTLY CAN TAKE UP TO 30 DAYS BEFORE I GOT MY FUNDS BACK, AND WHEN THIS TRANSACTION WAS AUTHORISED I DID NOT EVEN HAVE ENOUGH FUNDS IN THIS BANK ACCOUNT WHICH MEANS FNB WAS SUPPOSED TO DECLINE IT BUT IT WENT THROUGH.