lying *******!

I recently settled a loan with the information provided over telephone banking, they only gave me the correct info after the third attempt. i was also asked why i would want to settle the loan, and then offered a lower interest rate... really? you couldn't give me a lower interest rate to begin with? i made the deposit, sent the info and called in to confirm. the payment is nowhere to be found, you've debited me for an account I've paid up, you're taking your time sorting this out. isn't nedbank to nedbank immediate? or have you ****** my money?