Terrrible service

I took a loan from a credit provider who happenned to use Nupay as a service provider for payments. Went to withdraw funds at atm but got error message, on second attempt it gave me "insufficient funds' receipt. went back to the credit provider who told me the funds shows it was withdrawn. I was then asked to go do affidavit at the Police station stating that i didnt get the funds, i did and i filled some forms. However was told that Nupay says it would take half a year to resolve that (150 days to be precise). Thats nonsensical considering that in a weeks time i would have to repay the money that i didnt use. I emailed Nupay recenlty to no response to date. On my statement that i got it shows theywere paid R300.00 from the loan i took as srvice fee and that is added on my bill. However they cant assist me with getiing my money back until 150 days lapse. they could just give me my money and deal with their internal process alone, as funds will be returned one way or the other because ATM cameras will prove that i didnt get any funds. Thats just useless service i received from them and wouldnt reccommend anyone to ever use NUpay