They deduct, then inform you that the order was unsuccessful. Could not feed family

I advise to stay away!! This is a company that deducts money from your account before an order get's accepted by the restaurant. We used our last bit of money to order (for the first time) through Mr. D at Spur. After deducting, they sent a notification to inform us that the order didn't get approved at Spur, we have been refunded but the money can take up to 5 days to reflect. So what now, last money taken by Mr. D, hungry family. This is pathetic! 1. Mr. D should only deducted once the order has been successfully placed. 2. In situations such as these, atleast send the client an immediate voucher instead of a refund that can take up to a week to reflect. We phoned mr.D and asked for a resolution from management, no solution was provided.