Foreign Exchange Debacle

According to their website, Standard Bank's "vision is to be the leading financial services organisation in, for and across Africa, delivering exceptional client experiences and superior value". That would be a fail, then. Standard Bank are "Having problems" with crediting overseas inward payments to customers' accounts, with a delay of up to three days. Their call centre message says they have a long queue due to this - you are not kidding, my cordless phone ran out of charge waiting for an answer. It also gives an email address. I emailed. No response. Questions: 1. Are they going to reverse overdraft fees caused by this delay? 2. Where is the money at this moment and who is benefiting from it? 3. What about anyone relying on incoming funds for a specific purpose, such as buying a car - will the bank reimburse for lost opportunities?