funds Missing

BBM LAW,FNB and Nedbank. BBM Law paid a refund into my account on the 31st of October, unfortunately the account was inactive , however the following morning the account was active. When i tried to follow up Fnb adviced that the funds should bounce back to Nedbank it should take 48hours. on the 4th of November logged a request to recall the funds. I have been communicating with all three parties and they all say the funds are neither with them. meaning BBM Law never received the funds back. Nedbank has adviced that they have checked with the Eft department and they said the funds went out and never returned to their clients account. Fnb also said the funds never reached their side. Currently the funds are missing and none of them are willing to give advice of the following steps to take. . What a disappointment.