DECLINED / REPEATED TRANSACTIONS - BAD SERVICE

Saturday, 27/2/16 I bought groceries at Pick n Pay for R251.83.Twice my cheque card was declined despite funds being in my account.I left the groceries at the till & drew money from a Nedbank ATM. It was the only ATM in the store & other customers were waiting for me.I paid cash.A debit of R251.83 went through my account.It took \Prestige\" Banking FOUR days to respond to my email and all they sent me was a form.No apologies.Today, 5/3, I had my hair done at a hairdresser. Guess what?! 2 transactions declined on my credit card (plenty funds available). I drew money at a Nedbank ATM. Std Bank machine was not working-what a surpirse. I got 2 SMS notifications that the funds have been deducted from my account. I tried calling the bank & held on for 10 mins due to \"high call volumes\". These are 2 of many incidents with Standard Bank. I have had nothing but shocking, disgusting, apathetic service from Standard Bank.I want the SASWITCH fees credited to me please.I want my R251.83 credited to me please.It appears the R450.00 (x2) on my credit card did not go through as I have received 2 sms's saying it has been returend to the account. I am most certainly CLOSING my accounts. Had enough!!"