AVBOB REFUSES TO REFUND ME FOR POLICIES THAT DEDUCTED THAT I DID NOT WANT IN THE FIRST PLACE

Worst service ever. A consultant went to take out two policies on my name, after I told her to not go through with a policy because I cannot afford it. I know her by the name of Yoni. We only spoke on WhatsApp. In December I got my salary advice and saw there was two policies that deducted, not even one. She was supposed to cancel the policies and do a refund but changed her whatsapp number and until today I can't get hold of her. I eventually could get the policies canceled last week. But they deducted again for the second time for January. Now im getting told by someone name Dennies that there are no refunds due to me, and also I will only get refunded for amounts deducted AFTER the cancelation of the policy. I did not want it in the first place and after I saw the deductions in December I immediately contacted them about the policies. Then I found out that 3 "sister" of mine were covered, which I dont even know in the first place. I am not asking for much, just for my MONEY TO BE REFUNDED at this moment I dont even care about putting in a complaint because then I have to wait 3 months for a refund. How is it so hard for you to just REFUND me my money.