Dissatisfied and frustrated client

Have a personal loan with nedbank.i was banking with them and had to change banks because of unauthorized debit orders going through my account.i notified nedbank of my new bank and made debit order arrangements.Instead they debited my account first month of the new arrangements and the following month they did not debit.I then fell into arrears,contacted them for payment arrangements.The bank debited my account and the following month they did not.This trend gave me an impression that because I moved from their bank they want me to fall into arrears so they can blacklist me.I made numerous calls to the bank and was transferred from one person to another and never received help.Eventually my new bank account with the new bank was debited x3 without my authorisation.In the process I have lost my avbob funeral policy and AA for towing services as my account was left empty. I contacted nedbank again and one gentleman advised me that I have been handed over to attorneys and transfered my call to them.I spoke the attorneys firm and explained my plight to them.The issue was resolved as I received refund for 2 month. Now in October Nedbank debited my account for the personal loan account on the 25/10/2025,well I did not have an issue as I know I needed to pay for the account.I was caught with surprise when on the 28/10/2025 their attorney Hammond and Pole went through my bank account account and debited my account without authorisation. I immediately contacted Hammond and Pole about the matter and one gentleman by the name of Angus offered to assist me.Due to my frustration i email and made numerous calls of which some were dropped.Eventually Angus responded to my calls and after venting my frustrations to him,he eventually advised me that their client Nedbank will refund me yesterday which was the 30th. Till today there is no refund and my vehicle insurance policy is due. I am extremely frustrated and do not know what to do.