Quick to deduct premiums but you fail to refund...

I have requested a refund from January, over R600 due to me, and to date I have received nothing, I have been promised twice that the refund will be processed but it doesn't get processed and no feedback provided instead they go into my account unexpectedly costing me a lot of money in retuned debit fees, I WANT MY REFUND TODAY!!!!, PLUS ALL THE RETURNED DEBIT FEES THAT MY BANK CHARGES ME BECAUSE YOU JUST DEBIT MY ACCOUNT WHENEVER YOU LIKE EVEN THOUGH YOU STILL HAVE MY MONEY, FAILURE TO DO THIS I WILL CANCEL THE POLICY AND MOVE ALL MY INSURANCE NEEDS TO ANOTHER INSURER AND I WILL LODGE A COMPLAINT WITH THE SHORT-TERM OMBUDSMAN TO MAKE SURE THAT YOU REFUND ALL MY MONIES DUE.