Wrongful debits and no Refunds back

Mobicred sent email communication beginning of December stating that payment arrangements must be made for earlier payment by the mid-December mark if possible. I therefore endeavoured to pay my installment mid-December once salary reflected. Mobicred confirmed receipt of payment. Mobicred debited my account again just after the 20th of December. I contacted Mobicred to ask why as I followed instruction to pay earlier, now double the amount went off for December and I did not budget for that. This was a big problem for me and impacted my livelyhood. They apologised and stated that the debit will be returned on the 30th of December. That date came and gone. No refund. I called about the 2nd of January and asked what happened. They apologised and stated then that the refund wil be paid out 7th of January. That date has come and gone. No refund paid back. I called by the afternoon 7th and asked when to expect payment back. They stated that they are with Absa and I am with FNB, therefore payment will only be run after 17h00 Friday or even Monday. I complained and asked to speak to a Manager. They stated that they can only email someone and not call them or transfer. I asked for a Manager to call me back and askd the lady for her name, at which point she hung up. It is now the 11th of January, almost a month later, and my money has still not been returned. I find this company extremely ********* and unprofessional and will definitely not continue with them. How can an entity of this size be so complacent with an individual's income. They are severley affecting my livelihood to buy food for my family and from the complaints listed here, I see that late payouts are a common denominator. What poor client centricity.