Paying for no service at all.

I loaded a secure message regarding a stop payment that has to be made on my account. I was contacted and all details were discussed. The fee for the stop payment was taken off my account and lo and behold the debit order also went off. I waited 3 days for the money to be reversed as discussed on the phone but nothing happened. I had a debit order for R25 that was then returned due to no funds and I had to pay the fees for it. SO in short I had to phone in to have the money returned to my account. <br> <br> I paid for the stop order, got no service for my payment, had a unpaid D/O that now affects my rating as a result of this and end up paying more in fees than the D/O was for?<br> <br> Is this the way to treat a Platinum client? When querying this in my last call I was told that I was read a disclaimer and should take better care?