I want my refund

I’m very frustrated because Telkom decided to debit on the 23 December 2024 without my acknowledgement because I know you debit on last day the month the 30/31st and now FNB charged me R560 with reference of #ITEM PAID NO FUNDS 6 ITE MS ON 24/12. I moved money to a different account to avoid being ****med and since debit date haven’t arrived neither I never made early payment arrangement with Telkom. I want my money back.