by Newsbreak Producer, Hoosen Ebrahim - The National Financial Ombud's Banking Division says it has helped return more than sixty million rand to South African consumers this year alone. According to Manager for Adjudication in the Banking Division of the NFO, Johan Brouwer, he says most of that money was paid back in fraud-related cases, while other refunds followed findings that some banks failed to treat customers fairly. On Newsbreak, we investigate if consumers are doing enough to protect themselves