Funds transferred to closed account.

On the 20/05/15 I incorrectly made an internet payment of R10000 to my Husbands closed Standard Bank account.After realising my error I went to Nedbank (3 days later) and paid R342 for a re-call.I struggled to get an answer from Nedbank and then after 3 weeks was sent an email stating that the recall was unsuccessful due to insufficient funds.I was told to liase directly with the person who had received my money.The name given by Nedbank is MS KD RUITERS - *** (cape town).I doubted the wisdom of phoning the person who clearly knew they had monies which they werent entitled tooAs I also bank with STANDARD I approached my branch directly to get clarification on the way forward.Garden Route mall branch Marelise Buys submitted a letter on my behalf to the FCCU transactional ***** section. They rep**** that I should submit an affidavit stating my case.This I did and sent the affidavit back to STANDARD BANK. They then wrote back and said that affidavit must be submitted by NEDBANK on my behalf-which I did.Standard now wants to settle on R5000? I was told accounts are only re-allocated after 5 yrs now they say 3.My husbands acc. was closed 24 Feb 2011.Standard says sue MS RUITERS