Refund- gone astray

I retired in Dec2014. In December before I retired I notified discovery to cancel my membership and to refund any funds owing to me to my bank account i gave them my bank details. They responded saying that the refund will be made with in 5 months. So in May 2015 I contacted them to find out if the refund was made. Well thatha when my troubles started with Discovery. To cut a long story short , they refunded a bank account that was closed. I was ****ed off, who refunds an account without confirming bank details ? and what happened to the new bank details that I gave them in December 2014? So after many many emails phone calls ( that I made to their office) I am still waiting for my refund. The phone calls have costed over R800. One of the agents in May told me that they will do a recall of the funds and asked me to fill in the bank details change forms again. I did this and sent them the forms several times.Today again my call to them costed R65. and I still dont have my money. The service is most annoying and I am so disappointed and angry. I have asked for a manager to call me several time to no avail. Is this going to be resolved or am I going to lose my funds due to bad service