Where did you put my money for 4 days??

<p>At the end of every month for the past 2 years I have had a salary cheque deposited into my account by a company via EFT from a FNB account. Shows up as a magtape credit on my account and is available in my Standard Bank account either the same day or, at the latest, 7am the following morning.</p> <p>Payment was made for January and appeared in my Standard Bank account on the 31st January. On the 1st of February, three debit orders went off for Medical Aid and Insurances and on the same day were returned as "RTD-EFFECTS NOT CLEARED" whilst my Standard Bank Service Fee was quite successfully withdrawn without issue! </p> <p>On the 2nd of February, another debit order went off and that too was returned with the same message. All of this while my account was sitting with more than triple the amount required to pay these debit orders. </p> <p>My wife put petrol in her car and her card was declined - "insufficient funds".... All of this happening while my account is sitting with money in it!! </p> <p>To add insult to injury Standard Bank now charge me for the returned debit orders. </p> <p>Further proof of a major cckup.....While this is all happening I'm getting SMS's telling me my account is R10 000 overdrawn ......where did this figure get sucked from??? How is it that suddenly on Saturday 4th of Feb everything is back to normal...what happened to the R10K I supposedly owe Standard Bank? </p> <p>Where is my credit for the incorrectly charged fees? Never mind that ...where the hell was my money!!! </p>