Deposit taken for accomodation that is unavailable

I inquired a about a booking here in South Africa and was asked for my credit card details - which I provided.<br> <br> I was told that I would only be charged if the booking was approved.<br> <br> However the money was deducted from my account immediately!! The next day I received an email saying that my reservation had expired because the owner of the establishment had not responded.<br> <br> It's been more than a week and my money has not been returned to me. I called my bank to reverse the charge, but they said the money has not yet been banked by TA. They can't reverse the charge as it has not gone through, therefore TA has to decline the payment for the funds to be returned.<br> <br> Please can this solution be rectified ASAP as I need the funds to book another accommodation.<br> <br>