Illtreatment by Absa

Absa dually insured my house, one was being debited directly from the bond and the other was debited separately from my account. After identifying this I was told that both parties has to do a 50% refund but now Absa home loan has credited the money into the bond account instead of crediting me because I'm the one who was paying the accounts. Now I'm told that for me to get the money I must ask for a loan from the absa home loan for them to loan me my own money. I find this insulting. Now I'm being taken from pillar to post no one wants to take responsibility. I'm fed up really. Absa Brolink is also dragging their feet in processing the 50% refund from their side. I find it strange why the same bank is insuring me twice for the same house.