Absa ******* and bullies

Unfortunately I can't get out of this situation but I'm advising anyone please if you want to have a peace of mind please don't take an Absa insurance and home loan. Absa dually insured me for 5 years. When I confronted them with this they claimed that they will refund me , they said home loans insurance must pay 50% and the other Absa insurance administered by Brolink will pay the other 50%. When is time for Absa home loan insurance to refund me instead of refunding me they say they are crediting the money to the bond account and they did that deliberately So that I can't get my money because the bond account is theirs (Absa home loans). Even the refund that they claim has been credited to the bond account is not showing in the bond account since they claimed it has been credited. The other Absa insurance which is administered by Brolink is also dragging its feet when it comes to the refund. I'm seriously disturbed about the conduct of such a big institution. They claim that they care about us clients clearly they not they are just bunch of ******. I'm the one that was dually insured.I'm the one that was paying two insurances for the same house not knowing that I'm paying two insurances from Absa, now instead of refunding me the money I lost they credit the money to themselves again. What is that, and what angers me the most is that they say if I want that money I must request for a loan from Absa. How can I request to be loaned my own money my hard earned cash? This is madness really.