no salary due to standard bank system glitch

i went to the standard bank atm to draw my salary on the 27.04.15 just to find out that my account is stating unavailable on the screen and was quite surprised and thought maybe my salary is not yet.i then went to the bank the following morning 28.04.15 and it was still unavailable.I i called the customer care help line on the 28th about 08:15 and was told that there was stop order put on to my account due to a system glitch and i will have to wait for 48 hours and call back for them to take the stop order off .I asked who will bare the cost for my debit orders that comes off on the 28th and there will be no fund available and will be charged for insufficient funds which they will charge me R105.15 each one .i was then told that nothing will be able to come off my account and i will have to call all my accounts to re-debit my account .i am not to sure because the consulted did not know how to answer the question I'm asking and super visor was not much interested to speak to me.i would like to know how will i this effect my credit rating and because of there system error i am inconvenience and not very happy that i have wait for 48hours to call to make sure that the money is in