false policy benefits and weird stories about my refund

so I saw a clientele hospital plan advert and enquired because of I need it, quick response the consultant phoned and just sold me good worthwhile benefits, I signed up, first deduction went through on the 25/11/2019, after some days now I phoned to ask about the contract, it was on the 05/12/2019 I find out the shock of my life, what the sales consultant said was not in the contract, she had sold me lies, I immediately cancel the policy, it was said the policy refund will be paid back in my account within 3 to 5 working days, thier cancellation policy state 'if the policy is canceled within the 31-day cooling-off period from receiving your policy documents, your premium may be refunded, today I phoned to do a follow up about my refund, the consultant told me it takes 45 working days to prove that indeed I was debited an amount of R1115 for the cover of 750 000, what is weired is have received a message stating that I must make sure I have enough funds in my account for another transaction even if I canceled, to it says they have received my premium because if they did not receive it they would have sent an overdue the message or e mail. the consultant answered me by saying it is an internal thing, I requested for proof that they will pay me my premium after 45 days of investigation, she answered by saying it is an internal matter, I asked for call reference, she said they do not have that, then I said this is the first time speaking with her and I am sure next time when I call I will speak to a different consultant and I am sure I will hear another bible story of waiting for 100 days for investigation, here is the thing clientele consultant is trained to lie, firstly I was sold lies when I found out I canceled with another consultant who **** because the third consultant confirms the second one gave me wrong information and possibility is when I phone for the 4th time I will find out that the third one was lying too so to avoid that can I have something in black and white, what she said is I must expect the debit order for December to be deducted early, like what the hell ??

I thought the clientele is a big company that cares about thier reputation only to find out they hired people who care about making sales for the company and thier benefit with lies and mocking our health life decisions about thier brand. careful people about this clientele consultant