Disgusting AVBOB

I am disgusted by the level of service I have received from Avbob. I requested for one of my policies to be canceled due to financial constraints and was convinced to downgrade my cover in August /September yet my premiums were over deducted for 3 months. I decided to call and find out why the change is effective on 14 December I was in desperate need of the money, I was told to email a copy of my ID and bank statement to ********** and my refund of +/- R1300 will be paid to me in 5 to 7 working days. I called the call centre again on 18th December to confirm that my email was received and I was told that it takes 48 hours for my email to reflect on my policy, I confirmed the email address again and was told it is correct. On 21th December I called again to follow up and was told by Thabiso that the email address was incorrect and I must resend it to ********** I was livid as 2 previous consultants gave me the wrong email, he requested that I email him directly and he will escalate my request. I called on 31st of December and was told my email was sent to refunds and they received it on 24th December but my refund was not processed, I was speaking to Cassandra who sent an email to the refunds people after explained my disgust in her *********** colleagues. On 2nd January 2019 my refund was still not paid out and I called again and spoke to Cassandra who told me that there is a backlog as 1 of the people there was on leave. Why my this be my problem as I had initially done what I was told on the 14th December 2018? If this is how I'm treated trying to get my funds refunded to me how will me and my family be treated if we are claiming after me or my dependents dies? Avbob's service is disgusting!!!!! Please pay me my money and cancel all my policies effective immediately!!!! Phumi