Complaining about funeral policy and different explanations i need my money back

I'm not happy with how Capitec treated me ,I have opened policy with them November and I have specifically told consultant must start deducting January 2024, instead telling I'm must come back December 2023 ,he opened the policy,then January 2024 deducted as agreed to my surprised I checked my policy because I wanted to add ppl ,which I opened policy for my extended through app,then I saw status saying I'm owing December 2023,I went to greenery polokwane wher I opened first time,then found same guy he then said yes our owing n should anything happen you wont claim i then asked it means your wrong because i said January 2024,he then i was cancel and do new one with your extended ,then will claim your money back for 343,00 then we continue with new one with my extended,then everything was fine ,then 2days passed I went in town Polokwane corner Thabo Mbeki and Schoeman,then I asked about my refund they specifically said the person who helped you was not supposed to do that,it won't refund,then I went back to greenery next day,n the manager called person helped me n suggested they will do waiver meaning it will continue no refund,then after 3days 343,00 was refunded and I asked again to the branch and they told it will continue but I will owe January 2024,and my suprise 3 branches explain different things and February it deducted,I went to Polokwane branch corner Thabo Mbeki and Landros ,they told me how Savannah explained was wrong I won't get refunded my R902.00 and in Savannah wher not supposed to cancel because at Savannah I went to asked if my policy has waiver and said no,nothing like that and said but greenery did that and I said cancel and refund my money I feel ur explanation is poor and you don't understand funeral policy yet your working with 3 branches explain different things,after a week I went to Landros to say wher is my refund they said I won't get it .