Over billing my account - not refunding me promptl

On Thursday 22 October at 9:14 I made full payments to both these accounts as agreed on 21 October.<br> Later that same day, my account was debited by you again. That caused my Nedbank account to go into ******* arrears, my Nedbank insurance that I tried<br> to reinstate, to not happen and for me not to have any money left to put fuel in my car to go to work, or buy groceries for my family.<br> When I phoned later on that afternoon, once I realised what has happened (after standing in line at Pick and Pay to pay for my groceries and not being able to),<br> I was told that no payments reflected on my account yet. Therefor no refunds could be made to me yet. This is from one department within the same bank group to<br> another department in the same group - that is bad customer service and bad systems if it cannot be serviced. I also have insurance with Nedbank that I made an <br> agreement on the 21st to reinstate. This caused that payment not to be able to happen either.<br> I know that you don't care for me as customer because I constantly have to listen to the dreadful music when I phone and hold on - are you trying to cause nightmares<br> in people with that appalling music? <br>