Refund policy

I have two funeral policy with capitec bank and i wanted to make it one policy and i was told that i cannot since i have covered the same people on both policies and one policy will be closed and i will get a refund of my premiums, its been over a month now back to back with different stories and refusing to pay back my premiums instead they have just canceled the other people without my constant. And im the one at a loss. All i want is my other premiums and if possible both of my premiums from two policy and i just stay away from capitec bank