overcharging

I was incorrectly debited by standard bank and I'm also made to pay for their charges I want those charges to be removed from my account as I was not the one who authorised the debit to go off my account my cellphone contract also bounced back and I'm now charged a penalty of R70 because when they tried to debit they found no money in my account. I want standard bank to pay back the R85 due to debit transferes and R8 for fee's and R70 due to cell c because they bounced back when they debited my account I will not be held accountable for their mistakes