Ref ***2 Delia (Nedbank)

i am so unhappy and very disappointed with Nedbank personal loan, the month of November Nedbank decided to deduct an extra R3000 rand out of my account without getting my permission, they send me a message on 24 November saying please remember to pay your Nedbank personal loan installment of R3000.44 within 5 days. Every 3 months i made arrangement with them. I was retrenched two years ago and when i started working i called then and made arrangement to start payment. With my new job i could not pay the full amount and it went in to areas because of this. i was now ready to pay the 2999 this month . i called to find out why so they explained that my account is in arrears and that is why they deducted an extra R3'000 out of my account with out discussing it with me. Now all my other accounts is not paid and i have to call all of them to make arrangements . This is truly unfair. Nebank did not approve my refund and they say i should make arrangement with my accounts to pay later. Is this legal? Why did i not get a notification that is what will happen?