Good morning Please assist me

Good morning Please assist me. PayJustNow debit my bank account twice at an instance when I was using their app at Makro in Woodmead on the 24 October. They collected and banked that money on the 27th, according to the bank. They debited me again on 1 November 2025. They kept quiet and didn’t inform me but kept my money in their “wallet”. I requested help for the past 3 weeks through their app and they did nothing. Yesterday Makro staff showed me where customer money is usually kept by PayJustNow, in the “wallet”. I never consented to this. I then requested a refund from PayJustNow and submitted all legal documents they requested. They responded claiming that the bank confirmation letter I submitted doesn’t match the bank account they deduct from. Which is false claim. Basically they are refusing to refund me.