Refund promised - NOT RECEIVED!

This is the timeline:<br> <br> 1) My SBSA Personal Loan was not collected from my account at the end of March<br> 2) Standard Bank called me on the 17th April informing me that my monthly debit order failed - I fought with the lady because I didn't believe her but then I looked through my statement. I told her that I would transfer fees into my account tonight and the fees should appear tomorrow (18th April).<br> 3) We agreed that the monthly amount would be paid on the 18th April<br> 4) SBSA collects the debit order amount on the 18th<br> 5) SBSA collects a duplicate amount on the 18th.<br> 6) I call SBSA Credit Rehabilitation on the 18th and request a refund - am told they see the duplicate and a refund will take 3-5 business days to process. I agree.<br> 7) It's currently the 28th of April (6th business day since I requested a refund) and no refund appears.<br> 8) I call the same SBSA credit rehabilitation number and am told that because no reference was sent to me they can't do anything.<br> 9) I ask to speak to a manager and then get cut off.<br> <br> I want the duplicate amount transferred to my account IMMEDIATELY!<br> <br> You cannot argue that I didn't request a refund on the 18th - listen to the call log.