Incorrect debit and delayed refunds

I have a special arrangement with Nedbank on my personal loan to pay R600 a month, this morning they debited me for no reason, i never gave permission or signed anything to say that they may debit my account. I called their personal loans team this morning and spoke to clayton, clayton hung the phone up in my ear and was extremely rude, thereafter i called back and spoke to bongi, reference*** has been given to me. i requested a refund as the bank took money *******ly, i was told i need to wait 6 days for a refund... this was my last bit of money to buy food with, now my family must starve because nedbank dont know what they are doing??<br> <br> i will be closing my gold cheque account with nedbank and i will take this matter further as they were so quick to debit my account *******Y but i need to wait 6 days for a refund? AFTER having a ******** consultant hanging the phone up in my ear... what has happened to client service?<br> <br> this is very unacceptable for a financial instituation and i expect my refund within 24 hours.