Ref no: *** and Ref no: ***

During October 2015, I have been banking with Nedbank for more than 10 years, and due to some financial difficulties, I made arrangements on my personal to pay R2000 instead of R3558.18. During December 2015, I received I made contact to continue with the R2000 for the next 3 months until all is sorted and I will then pay the interest and continue with the full monthly payment. On the 1st Jan 2016, Nedbank deducted R4674.54 from my Nedbank account. Upon enquiry, the consultant indicated that a refund will be made 3 days later (***),4 days later a different response was given that Management used their discretion upon going through my account and had decided not to refund the unauthorised deduction (Ref no:***), due to that I have money in my account. I felt badly treated and decide to close my Cheque Account with Nedbank for this incident made me wonder whether having a cheque account and personal loan with the bank gave Nedbank Personal Loan the right to go through my personal account. What happened to Chinese walls, confidentiality, do they exist in reality? Nedbank has been of good service to me until recently and I felt I deserved better treatment from the Bank.