******* Overdrawn Charge by Standard Bank (R130.00)

On 31 March 2018, I went to the branch of Standard Bank to request reversal of an ******* charge of R130.00 on my bank account. The transaction was debited to my account on 25 March 2018, for an overdrawn account.

On 22 March 2018, my account had an available amount of over R5 300.00 (R5 309.80 to be precise). On 23 March 2018, Standard Bank pushed through a debit order for R8 000.00, which resulted in my bank account being overdrawn by R2 690.20. The R8 000.00 debit order, is a Standard Bank originated loan, which I have an agreement with Standard Bank to debit my account monthly on the 25th of each month.

At the branch, they informed me the they cannot reverse the transaction and gave e a reference number, with a due date of 5 April 2018 (to resolve my query). So funny, the very Standard Bank had a decency of charging me an excess interest fee of R1.25 for the overdrawn amount, whih was their own doing.

I ask myself a question, a big bank, Standard Bank, decide to shove away the agreement I have with them (i.e. debit my account on 25th of each month) resulting in my account being overdrawn, thereafter, charge me an overdrawn fee of R130.00 plus excess interest fee of R1.25 and thereafter failing to reverse the transaction at a moment notice (on 31 March 2018), how can on earth did Standard Bank resolve to ignore the agreement I have with them? What was in it for them to debit my account on 23 March 2018 and not the 25th of each month as agreed? Why does Standard Bank decide to ignore the agreement I have with them?

When will Standard Bank refund me my R130.00 plus the excess interest fee of R1.25 plus the interest I would have earned on the R131.25 should they have not charged me the ******* charges?