DEBTING MY ACC WHICH HAS ALREADY BEEN SETTLED

On Saturday I physically went to the Festival Mall branch to enquire why over a R1000.00 was deducted from my account for an loan that has been settled. I was indirectly told that it is my fault I should log an Account closure which I did *** yes Mrs Acc. has been closed. the following Monday 02.03.15 they took another debit of R100.00 payment arrangement which I never made. Called Ned bank again was told the account hasn't been closed but it is definitely settled they transferred me from pillar to post and kept me on hold for 32min to cut my call. Spoke to them again Acc. has been closed ***. Today the 03.03.15 they deducted another R461.68 of my settled closed account, a refund has been promised to reflect in my account by 05.03.15 will wait and see if this happens ***. All of this frustration after being a loyal client for over 10 years!!! Now my kids don't have food cause they feel they have the right to take money left right and centre on a settled account. This is the worst service I have ever received from Ned bank and will be changing banks the moment my refund is paid back to me. UNHAPPY, FRUSTRATED LOYAL CLIENT