Canceled membership and delaying premium refund

Discovery withdrew my membership on 4 December 2025 and advised that I would receive a full refund of all monthly premiums paid since the inception of the contract. On the same day, I contacted their call centre and was assured that the refund would be processed no later than 12 December 2025.

On 11 December, I contacted the call centre again, only to be informed that no action had been taken. On 12 December, I received written correspondence stating that the refund would be processed within 2–3 working days, acknowledging that the delay was due to inaction on their side. Each call made to discovery has been approximately 30 minutes long, there have been 4-5 calls, the discovery call centre will have a copy of the calls, this has been at my own expense and has cost me additionally.

Today, despite receiving a letter from Discovery confirming that payment would be made by today, the refund has still not been processed. This ongoing delay is unacceptable and has placed me in a vulnerable position, as I am currently without medical aid coverage and urgently require these funds in the event of a medical emergency.