Debiting my Account with out my permission

On March 2nd 2015 Nedbank debits my personal Cheque account for an amount of R2216.40. Speaking to their legal department is a nightmare! Consultants are rude and don't have an ounce of empathy. After a battle I find out that Nedbank collected that amount for a credit card that I had with them over 5 Years ago. The argument is that its not about the money, its about the principal behind it. The correct thing to do is notify the customer of the debit and not just go into their accounts and take the money. Do we not have rights anymore??? Do they not care that some off us also need to survive? The Service from that I have received from Nedbank has been a joke!!! The adverti*****ts that are broad casted about Nedbanks service to customers is also a joke! Its clear that service means nothing to Nedbank!!!