EARLY DEBIT BUT NO REFUND

phoned numerous time in Dec and Nov advising that I get paid end of the month <br> 14/11/15 sms to say my account will be debited on the 25th , phoned after that to arrange for early debit date in December and to emphasise that I get paid end of the month as I said initially when I was applying . ( I bank with NEDBANK they should have record of my salary date hence the payslip ) .<br> 16/11/15 an sms saying it will be debited on the 25th and yet again I phoned to say pay day its end of the month<br> 26/11/15 same sms .<br> 26/01/2016 I spoke to COnny Bapela ( Ref ***) for a refund I had money in my account for something else, my December saving.<br> 27/01/16 received an sms saying payments arrangement for a debit order starting on the 29/02/2016 for 2 months REF ***<br> 28/01/16 phoned to check where is my refund but some guy tells me it has been declined, I tell him its not good enough cause no one advised me of that and why did I receive the sms ( he rep**** to say sms\s are sent automatically so it doesn't mean anything)