Beyond Poor Service iro settlement of my account

As a longtime loyal customer of Sanlam, I am totally disgusted in their poor level of service and poor administrative procedures!<br> I have settled my loan account, early in full, on 25 November 2015. However another installment of R825 went off my cheque account per debit order on 30 November 2015. On enquiry and after a huge struggle with a consultant at Sanlam Customer Care, I was told that the excess amount will only be paid back to me after 10 days time! Can you believe this? It absolutely boggles my brain as to why I should battle in the first place to get my money back and then have to wait 10 days - its absolutely unacceptable, absurd and disgusting!!! I ask myself - does Sanlam not have a proper admin/computer system in place to reverse excess payments automatically and immediately??? I can still understand that the debit order payment went off as the settlement of my account was done too close to month end and it could not be stopped, but for crying out loud - why could'nt they just immediately reverse the excess payment???<br> I have complained per email to Sanlam about this issue, as well as the bad attitude of their consultant on 2 Des, but it seems like it was just ignored!