unauthorized account debit

I have been a nedbank client for over 10 years now and I have been unemployed for a while now and have been in communication with the bank regarding my debt to them and I had promised that will start paying once I get a new job. I've been living of family and friends through this period. I recently paid off one of my debts with them and closed of the account . I had money go into my new account , which was supposed to be used for my daughters school uniform, but nedbank debited my account without my concern . I feel like my bank doesn't understand my struggle. I would have changed my bank but I did not do so because I'm trying to be loyal and like the other settled account I will do the same with the rest of them. Nedbank has just lost a client and once I get back on my feet, I will have to take my homeloan along with me. I didn't think that my bank would do that to me. How do I now explain to my 4 year old that she will not get her school uniform like daddy had promised her .