RUDE PEOPLE,BAD SERVICE!

I ordred a Cadii bag December the 13th through Payflex, it came off my card and the very next day when i realised i wont have funds on the 26th December for my next debit order, i then got some communication from the head office with reference number BTG***SI From a lady named : Zinhle Mabethe, asking to send through the proof , which i did , then another email asking for bank confirmations, which i did, then proof of banking details which i did, on the 19th December was the last communication. i then emailed her again requesting feedback, they are supposed to cancel with Payflex in order for my credit spending limit to be uplifted again however Zinhle Mabethe is now on leave! shortly after i told them im going to get debited and obtain a bad credit name with Payflex if they dont sort this out!!!!! NO REPLY TOTALLY IGNORED ME! then today dated 29th december i call and speak to a lady on behalf of Zinhle Mabethe , very rude and egotistical, she said she will follow up with the refund and revert, i then told her my debit order bounced because BIDVEST didnt cancel with payflex and that they must send an apology letter to payflex as all of this is not my fault, she then said they dont do that! so take customers money and not refund them on top of not even bothering to apologise for your faults is not the way to handle customer service! im so disappointed in your services. in the end I HAVE NO PRODUCT NO REFUND AND A BAD CREDIT RECORD WITH PAYFLEX!!!!!! WILL NEVER EVER USE BIDVEST AGAIN AND CANNOT RECCOMENT THEM AT ALL EITHER!