but surprisingly it is not the 1st time I had an arrears on my account but now this one warranted to account closure

but surprisingly it is not the 1st time I had an arrears on my account but now this one warranted to account closure.I opened a new account with assurity that the money is held in by nedbank for 48 hours prior to clear in to my new account as conversion but now to my surprise on the 16th it bounced back where I don't know however I went to Hr at my workplace and explained my situation of which I will now get my money back within 3 to 6 months of investigations are done to get paid. My frustration now is that I have bills to pay whereas my creditors seek for their payment as per agreement.. Is it fair to treat and overlook the client needs to avoid depression and to have a positive aspect to the business reputation? Tshenolo Olivia Nkgobane