ABSA LIFE SUCKS

My husband & I each took out Absa life policies that commenced on the 1 April 2016. The sales consultant told us (ON THE SAME CALL) that we could cede these policies towards our bond one day. It was to our disappointment when we learned that we have been paying for a worthless policy that cannot be ceded when we bought our house in October 2017. We both cancelled our policies on agreement that we would be refunded, should after investigation, find that the consultant misrepresented the policy to us. I contacted Absa life, spoke to Dimakatso and requested for the matter to be investigated on the 16/11/2017. When I received no response after 3 MONTHS, I called them & spoke to Cyril. Cyril told me that the call recording was found & a decision was made to refund me on the 27/11/2017. He was surprised to learn that I had not received my premiums back as yet. He confirmed that on the call recording, the sales consultant had indeed **** & said that the policy could be ceded towards our bond. He promised to follow up with the relevant department (SALES) about the refund & revert back to me. I CALLED AGAIN, and spoke to Tania on the 28/02/2018. She also promised to follow up with the relevant department on the refund. She also confirmed that I was supposed to be refunded. I refused to accept this excuse & requested to speak to a Supervisor - none was available at the time. I then received a call from Thabsile on the 02/03/2018. She told me that she received confirmation from the Finance department that the refund was approved. She was to contact me on the 05/03/2018 – NO CONTACT WAS MADE. I called again, spoke to Thato on the 05/03/2018. I requested to speak to his Supervisor. He put me through to Esmay Manana. She also confirmed that the refund was approved & that it would reflect in my account on the same day before 18:00 PM. She contacted me before this time, telling me that she pulled another call recording where I apparently agreed to take out this policy that cannot be ceded towards my bond. There are apparently two call recordings, one where I declined the policy & another where I accepted it. She promised to call me at 12:00 PM on the 06/03/2018 & make me listen to this call recording. I AM STILL WAITING!!! Esmay was not avail when I called in on the 07/03/2018. WHY AM I ALWAYS CALLING IN TO GET FEEDBACK ON AN ISSUE THAT I LOGGED WITH ABSA 5 MONTHS AGO? I SPENDS AT LEAST 30 MINUTES ON THE CALL EACH TIME USING MY AIRTIME. WHY DO YOU HIRE SALES CONSULTANTS THAT LIE TO CLIENTS TO MAKE A SALE? WHY DO YOU CHANGE YOUR STORY EVERYTIME? WHERE IS MY MONEY? IT IS A MINIMUM OF R 12000 FROM MY HOUSEHOLD INCOME.