Terrible experience at Nedbank Personal loans.

I took out a personal loan recently from Nedbak, I made an arrangement with one of their agents to debit me early for the December payment but the arrangement was not honored as a result I fell into areas for one month. I then made another arrangement for the areas to be split into three months and again the arrangement was not honored, instead I was debited for the full amount twice. When I found out I immediately requested for a refund hoping that my query would be attended to urgently because I had other plans for my money but till this point, I have not been refunded. They keep telling me my money will reflect in 2 to 5 days which I do not have because I'm desperate. I really feel I'm being treated unfairly here because this was not my fault but I am the one who is suffering because of someone else's mistake.

I have learnt that Nedbank does not honor their arrangements at all and they do not care about their clients well being.