*******/unauthorised withdrawal from bank account

Some 220 days after returning a totally unsuitable phone, I have still not seen any credit whatsoever on my monthly MTN invoice/statement. However, what I have seen is the disappearance of an amount of R7358.64 from my bank account. This amount was withdrawn without: 1. my knowledge 2. my approval 3. any authority whatsoever For more than 7 months I am charged for, and paying fees for, a fictitious, non-existent phone. The ******* withdrawal from my bank account is the R7358.64 which amount the MTN agent imp**** would be returned to me as a credit on my MTN account. But alas, instead of a CREDIT, it was DEDUCTED using an existing debit order which authorizes legitimate cellphone-related fees but not random withdrawals. Only vague, incoherent text messages from sales agent. Still no refund to date.