BAD SERVICE I HAVE EVER HAD

On the 27.02.2020 i made a payment using wrong reference number i was making payment to No Car Finance,Wrong reference number that was used NP-NFC/NPNFC2 paid into the account number *** i was suppose to use reference number NKO101 , and payment proof of payment was send to the Dealer as proof of purchase which they confirm that they did not receive the payment ,The dealer refer me back to standard bank , to logg complain with standard bank on the 09.03.2020 which they provided me with the recall form that was filled it in and email through to the recall customer service and i was doing all this at Standard Bank Lenasia consultant assisting me was N.BRAND she make me fill the recall and email it through and tell me that i will get my money after 48 hours which i never receive no communication on the 13.03.2020 i went back as 48 hours is passed ,she make me fill another recall form which after she advise that i will get my money after 48 hours which did not happen i phone standard bank customer service which i was transfer to Serisha also promise that my query will be resolve within 48 hours which i posted my complain on facebook still no one respond i keep on phoning them they not coming back to me,Today i phone them i was transfered to Nonhlahla from standard bank lenasia which told me that i need to go to FIRST NATIONAL BANK to query my money, i phone FNB which advise me to go back to standard bank and advise me to advise them to do Missing payment , Please advise me what i need to do ,NO CAR FINANCE took the car by reposing the car the expect 3000 and the payment was done to the wrong account now i dont have the car did not receive my money back