Non Payment of Credit Balance on CLOSED account

I bought a vehicle in 2014 and it was financed through MFC.

In April I bought a new vehicle and the account was settled in full, but as the settlement was done within a couple of days from the debit order date, the payment was deducted from my account which left the finance account in a credit balance.

On 3 May a phoned and was informed that I need to request the money to be paid back which I did.

Yesterday I received confirmation that the account had been closed but I have not received the payment yet. On inquiring on the status I was informed that they are still within their 10-15 days period which it takes to process payments.

So the account is closed which means the funds had to have been moved. The ONLY logical reason for this not have being paid back, is it is in a suspense account accumulating interest which will not be paid over with the rest of the money once it occurs.

Make the sum.... Rx multip**** by y accounts earning interest is money for jam.

I find it UNACCEPTABLE that the payment takes 3 weeks....