Debited for a lapsed policy

Wow what pathetic service from capitec so I had a funeral plan with them which lapsed they then decide to debit me, this was my sons school transport money as we all know it's exam time! I called get transferred from pillar to post eventually an agant says she is going to transfer me for the refund which I will receive in 24 hours the call cuts I call again explaining my story yet again bear in mind this is now consultant number 6 who wants to transfer me and I refuse demand to speak to a manager and conviently there is non available I hold for 15 minutes or so the same person who said it the wrong department now tries to assist then says will have to wait 45 days to for my refund imagine the nerve they are the ones debiting clients for in active policies now I must wait 45 days *** storie. What system do they use which goes around debiting for in active policies huh. I went on social media reported the matter they want me to wait till they are done with investigation seriously how does my son go to school in the meantime they can't even tell how long the so called Investigation will take the bottom line is why must I suffer for their mistake I want and need my money back before end of business today