unacceptable offer to settle account ref***-

My enquiry was forwarded to the loss control dept,whereby I was requested to provide proof of being previous acc holder to acc no *** of which I submitted affidavit, copy bank card,and the statement from gems to prove that the account was indeed credited with R7482.82, this as follow up to my request to be reimbursed the money that was deposited for me only to find that the account has been allocated to someone else,my problem is that std bank only want to settle 50% of the money only, and they suggest that I pursue the other 50% via civil litigation against the beneficiary who was credited in error with my money,all I want is my money I can't afford civil litigation. When I opened an account I never app**** through civil litigation, std bank is a reputable bank surely they are in a position to request that 50% from the current account holder as they can afford such, my case had been handled by N A. Ngubeni,ref ***. I would appreciate if this can be handled as soon as possible cause the money was deposited on the 14 may 2015, hope and trust I'm refunded my money which was saved from 2004