Service delivery failure

I app**** for Vehicle Finance in April 2014 and in April 2019 my term was coming to an end with a balance of R57k I tried to apply for re-finance but I didn't get a response from SBSA I proceeded to source the funds myself and paid the R57k on 29April 2019,instead of closing the account after allocating the settlement amount SBSA proceeded to process the refinance amount with interest on the paid up account and bill me again this month when my account is supposed to be closed.Now I'm told to wait 7 days when the settlement amount reflected in April already why continue with the refinance when they allocated the R57k,this is both frustrating and makes your bank come across as rather ***********,I never even received any communication of refinancing approval which comes as a shock now.I am really unhappy with your service and would like my refund of the debit order and that you close this account.