REFUND TAKING LONG

I settled my loan on the 23rd of November and I have been calling for my refunds for days now and call centre agents keep lying and say it has been processed. Today is the 6th and I called again and on the system the refund has not been processed. Nicky Hill is the manager and she is not helpful at all. ***

*** - I received a statement with a credit balance but refund is processed. I am not happy with Sanlam/direct axis and I hope no debit order will go through my account