Over billing, unreachable

On the 2nd and 3rd of March MFC debited my car twice causing my out surname policy to bounce costing me R130 unpaid item fee. They then refunded me, they then debited my account again on the 5th March for an odd amount of R1600. Causing my outsurance policy to bounce yet again. Charging me yet another R130 in unpaid item fees. This has caused a big problem for my insurance policy and they will not pay out because of this. I now have to wait 7 days Again to get this money refunded, that's if I can get hold of them to help me as they NEVER answered their phones. I went into Nedbank at mall of the South and found them all to be Very unhelpful to my problem. You would think the bank manager would at least come out of her office to help me, but not. I don't know what else to do, I cannot even get hold of the manager at MFC netbank collections department. PLEASE HELP ME.!!! Because of all the unpaid fees charged due to their negligence on my account, my vodacom debit bounced of R975 as well and now there isn't enough money in the account left to even pay this one. When I put in enough money the beginning of March to cover all my debit order.