They debited me R10 400 without any Arrangement

On the 22nd October, the bank took R10 400 without any arrangement.<br> <br> The monthly instalment debits plus an additional payment for the account had gone off on the 20th October. <br> <br> Two days later I discovered that my account was debited again, this time with R10 400. So as I was on my way to the airport I had first went inside the branch to try and resolve the query. Unfortunately I missed my flight.<br> I was put through the Personal loan department which promised that this matter will be resolved within three to seven days, meaning reversing back my refund. Till today I'm still waiting for it.<br> <br> Now what makes matters worse is that I still haven't paid my other monthly bills, such as Rent