Moving forward... NO MOVING YOU BACKWARDS!!!!

I am a comm earner and in Dec2014(slow month at work) so i app**** for an overdraft with Standard Bank coz bills needed to be paid. Standard Bank declined my application for an overdraft but when the debit started going off and some of them was returned i knew i was in abit of trouble. But when Standard BANK charged me over R1000 for returned debits i could not believe it... ***!!!! 5YEARS with Capitec Bank and not once has something like this happened..... Standard BANK invited me to join, i should have stayed with Capitec Bank. <br> So Standard Bank you have two options....<br> 1. Refund me my money that you stole Or<br> 2. Close my account ( will be very happy to reopen my account with Capitec Bank)<br> <br> I am awaiting a response...