refusing to refund my money.

I bought a car in 2011 and until towards the end of the year last year when i asked for a detailed statement,that is when i found that i am paying for a Top-up cover that i did not know about.i cancelled the cover and asked for that R3910.00 to be paid into the vehicle account not my personal account,i then kept checking if that had been done and was told that it had been done.But what surprised me was the balance that was not changing,then the last consultant i spoke to told me he had checked in every possible way he can,but there's no money that has been credited into the vehicle account after the R6500 i had paid.The problem is i am not getting any help now and i still want that money to be paid into the vehicle account,R3910 is a lot of money to just donate it especially to the bank.