Credit Card Division

I have a credit card and a saving account and I run a business. We spoke on numerous occasions with Standard Bank that we can pay when we receive money we always not sure when we receive money or the date. Today they took off R3500 the last money in the account, NO AUTHORISATION TO DEBIT OUR ACCOUNT. We called and they kept on asking how much can they deduct the end of August. They will not listen or refund the money back into my account so we can live. Then an attonery calls and sees over and over she needs to make an arrangement she does not evern know that R3500 was illigally deducted from our account and she kept saying they deducting another R600 the end of the month. THIS IS NOT LEGAL IS IT?????? HOW MANY PEOPLE ARE GETTING ****** LIKE THIS??????