VERY BAD SERVICE DIRECTAXIS

we took a personal loan at directaxis. With lockdown we were struggling to get hold of them. Holding like 27minutes and still no one answers. They didn't want to assist you with payment releave only thing they want to hear is how you gonna pay.. The insurance that we took out for the amount of R445. Per month that I paid for 3years for for free. The day I took the loan they said that the insurance cover any lost of income. When I asked about it they said sorry, I see your insurance doesn't cover covid19. Now I'm asking did anyone knew there exist something like covid19? You can call and send hundreds of emails and the only response is a sms saying they will contact you,eventually they call and don't want to hear anything except how you gonna pay. Or you must borrow money from fnb to pay them. So they put almost R2000 interest every month... I sold my wife's cars to settle this loan.. I settled the account 11 August 2020. After calling and calling and fighting I only received a paid up letter 26 August 2020 I paid to much and they owe me money now. The lady doesn't respond now on my emails to refund me my money or confirming that the debit order is cancelled?? Please people who can assist me as these people are big ****** and I will never ever use them again. Stay away from directaxis!!