Refund request and Settlement offer revoked

Aiy this is such an annoying story but here goes. I took a settlement offer with this institution which first of all, I didn't even want. Since my husband helped me pay off this TFG balance I thought it would make this settlement story more complicated as he was making EFT's and I had a debit on my account. The agent who phoned me in the end was excellent in explaining and to my surprise he said I could pay off this settlement over 3 months being Nov '23, Dec '23 and the small balance of R727 in Jan...but guess what, proactive as I am, I phoned prior to debit order date in January to check all is still in order as planned and agreed...Nope I get told by the lady who took the call, "the client cancelled your settlement offer" she said...I was so confused and needless to say, I was livid cause how TF does this happen, is this not against the law?

Anyhoo, out of frustration and desperation, I took another settlement offer which now amounts to the beautiful round amount of R4k and I then opted for 2 equal d/o's of 2k each being Jan'24 and Feb'24...lo' n behold, come Monday 25 March, who debited my account again? RL Daly, cause they didn't keep their end of the arrangement by doing the admin and cancelling the d/o.

So as mentioned earlier in my novel, I am very proactive as I've taken accountability for my debt and am trying my outmost to be debt free...having said that, I have phone RL Daly after my Feb d/o to get confirmation that we are squared now and got kind confirmation from the agent who phoned me back and even got a promise of a settlement letter (ofc after bringing out the fighting spirit, cause first agent on that day couldn't read notes on file).

Well maybe I will get the settlement letter during this month still given their SLA.

But this is my issue, all of Monday I spent on the phone to try and get this d/o refunded. RL Daly Inc tells me, try the bank to reverse this, cause it needs to be referred to from manager to manager and, and and. Bank tells me, the funds are still on hold try again tomorrow... Yesterday 26 March, on the phone to the bank again for a dispute only to be told they can't do it from their side...my service provider needs to do it. Service provider tells me to send an e-mail requesting refund, which I did but hau, I am tired and I just want my money back.

I read somewhere on this platform a review where the writer said he/she had to wait over 6weeks for a refund??? I can't...I will have to get guidance from the Ombuds then...cause first my settlement offer gets taken away and now this...