Debit incorrect again

This is the email I got from standard bank as I quote "We refer to the below email and advise that we are in the process of refunding the R319.46 credit that is due to you.

The refund amount will be paid into your bank account when the it is authorized for payment."

It is already a month and standard bank ins has debited full amount of my insurance and like I complained to them befpre they advised it will be sorted. Well your services is a joke. I was suppose to have been debited R248.77 as I have credit of R319.46. Please sort yourselves out do what is right. And please don't call me and apologize again sort out my account.