FNB AND BUDGET INSURANCE SUCK

I have had a Scratch and Dent and Tyre and Rim Policy with Budget for a number of years and decided to cancel the policy in March as it is totally unnecessary. I sent them and email on 31/03/2020 giving them 1 months notice. They eventually called me and I went through the procedure to cancel the policy on the phone. At the end of April I was debited with the premium which shouldn't have gone off my account as I had cancelled the policy and premiums are paid in advance. I went to my bank FNB and asked them to reverse the premium and showed them my cancellation email. They told me that because of Covid 19, they were not allowed to reverse premiums that were deducted and I had to do it on my phone via the Covid link. I did this and they told me that it would take 48 hours to reverse. Never happened, so I went to the branch again and we did it again and they told me that someone would call me - still hasn't happened, been back to the bank twice after that to no avail. I emailed Budget again to reverse the premium, they read my emails but don't reply. Back to the bank and they can't help me either. Tried the Compliance Dept at Budget - also no response. I am FURIOUS with BUDGET AND FNB as neither of them are prepared to assist me. If I never had money in my account FNB would have been quick to reverse the premium at a cost of R100.00 unpaid fee and a bad credit rating - is this fair.