money transfered not released, wrong money debited

On 01-09-2015 when i wanted to start making EFT payments from my account to other accounts, i then realised i had no funds available in my account as everything has being debited out from my account. i then phoned customers services and they said they cannot help me i must try again the next day. now the next day standard bank is offline.<br> The second problem is that i had an amount transferred to my account from another STB account and those funds aren't released and its being over 12 hours and i needed that money to cover my debit orders which still needed to be paid, now all my debits orders have being returned so now i have extra charges that must be paid as well which i find i shouldn't have to pay cause this wasn't an error from my side but from STB