Unuauthorised deduction from Bank Account

I was arranging to invest R0.5 million with Sanlam. They refused to accept my electronic signature so as no contract had been concluded, I took my business elsewhere. Then without any warning or communication they took R0.5 million from my bank account in the middle of the night. This was completely without any authorisation. Fortunately because of SMS notification I managed to reverse this within 10 minutes. Sanlam then tried to blame a processing consultant, but seeing there was no contract it should have never have been forwarded to them for processing. This demonstrated a total lack of control within Sanlam and since I had no trust in them I asked that they return a previous 5 year investment so I could invest elsewhere. This they refused to do without charging me penalties for early withdrawal. So I am now stuck with Sanlam, who I have no trust that they will behave in any ethically correct manner. My advice never invest with Sanlam