My Vehicle was settled and still they deducted it.

I Phoned and they confirmed that my Vehicle was settled and received the settlement letter.<br> <br> I also asked and they confirmed that no further monthly installments will go off, Saturday morning I received an sms that an installment went off. Due to this one of my other account debits didnt go off and I have to pay for a penalty.<br> <br> After phoning them this morning they can only refund me in 48 hours and let me quess they wont refund me for the penalty for the debit order that didn't go off.<br> <br> I must admit if you don't look after your accounts the banks will rip you off and this I recently heard on the radio . FNB and Wesbank is no exeption.