unauthorised deduction from my CR card

To whom it may concern

I made a booking through STA in 2020 January, before the covid sagga for a trip due to happen in August. Then lock down happened, and all travelling stopped. STA then went into liquidation, but promised to refund ALL monies paid to them within 6 months - which was then around . Communication was Cohen Chatty (Travel expert) - who said that the refund process will happen shortly from their UK office, being April 2020. - Now over a year later!!!!!!

I then laid a complaint via FNB as I had paid using my FNB credit card & I was not getting any feedback/joy from STA, and FNB refunded money back into my credit card in June 2021. HOWEVER a few days later STA re-debited my account now in July 2021. I have been back and forth trying to claim these monies back from STA Travel, as all travelling was then cancelled with STA since they went under. Why did they re-debit my account after the refund if they are liquidated? Why is no one taking this matter into consideration for over 6 months now?

Who is responsible for the refund of my money between FNB and STA?

I need an urgent response.

Ref number: JJVVV66

Regards Mrs CM Ramokgopa TEL: ***