F***ed up service and they don't give a rat A**

I'm loosing interest on Nedbank they are continuing doing as they please on my account and put a blame on me. 1. They started deducting R189 per month as from late last year of which that amount has incread this year to around R250 with reference RMB when reporting it they say i've activated some business service on my private/personal account. 2. When doing illigal debit order reversals they charge me R5 where i've paid for a service to block that activity. 3. I've bought electricity for a friend on the 26th of January and never received a voucher, since then i've been calling every week for a refund and promised that i'll be refunded within 3 working days only yesterday i received a voucher instead of my R350 what am i supposed to do with that electricity?