Tacking funds with no permissions

Standard bank deducted money from my account due to credit card is behind but with no commitment to phone me regarding this matter they procceed with the deduction. I have lost my job and the money I have in my account is from my pension fund. But know after Standard bank deducted R5185.00 with out any notice my 2 kind 4years old and my son 1 and 2 month can't go to school because we haven't pay them yet. But I don't have the funds to do so after this happend. I was handed over from standard bank due to my card but I have no problem to make arrangements with them. Now my kinds can't attend skool because of this. How can they just take with out any notice? What must I do? And the just say sorry we don't refund...... How the he'll must I get my kinds back to school!!!!!????? I have already spoken to the attorney's for payment plan and they said the bank must return it because you are handed over. This is bull for a bank. And all I get is we will not refund.