TymeBank stole my money - what recourse do I have?

TymeBank debited my account twice for an online payment made via the City of Cape Town eServices website. The City of Cape Town confirmed they only received one payment of which they gave me the details. When I eventually (after a full month of emailing) got a response from TymeBank to investigate the issue, they then took another month to do so, finally rejecting my claim. When I try to follow up with my Case ID via the call centre the call gets cut off. Having no branch, I can only email them to dispute their rejection. This is a cut and dried case in which TymeBank has taken my money and I have no recourse to reclaim it, apart from the expensive legal route. I have learned my lesson and will stay well away from this institution and warn others to do so too.