Unauthorized debit order

I am very upset with the unauthorized debit , you debited my account without my permission ,somebody else's car was loaded in my account hence they debited me for that car. i had to phone them with my airtime. I was told that , they made a mistake, the money will be reversed back into my account yesterday, till date , there is no money in my account from them. i now have to call them from my airtime again asking for my money , they are not to be trusted because now their carelessness is costing me. the money they took was for something else. who must pay the bank charges. now my account is in arrears because of you.