As they help themselves to my money unduly, the battle with Discovery Insure Continues.

While my battle with Discovery Insure continues, with me being charged over and above my actual premiums from month to month (premiums fluctuating since July 2019) I practically beg for credits due to me! It seems that Dillon Mafumu at Discovery whom I have cried to repeatedly over these past few months, doesn't actually give a dam. I asked him to call me back over a week ago concerning yet another unfair debit off my account and to date, I have not heard from him. I have spoken to a more helpful person, Ellewelg Ndlela who seems to care, however it is really up to the finance department at Discovery to get their act together and it seems that they drag their feet as they are not the ones who are affected. I have explained to Dillon that I urgently need access to my money (by now, reaching closer to R 3000.00) due to added expenses this month, but still, I am no further advanced! I would like to see if Discovery will take liability for any further undue penalties incurred on me, should I fail to honor my financial commitments, due to them holding back monies needed urgently. Gone are the days when queries were resolved speedily, as service delivery in our country further deteriorates! I don't understand how premiums offered only in July this year (on addition of assets) can fluctuate from month to month and find this extremely sinister! My experience with Discovery over these past few months has left me with feeling that I don't want to do business with this company any more. I have been a loyal client for many, many years, but the kind of service (actually lack of service!) and lack of interest, as well as the sinister practice of late, is really disheartening! Each time I call, I am having to explain the scenario to a new consultant at the call center, which is a very tedious exercise and also very frustrating and time consuming, not to mention expensive, as the costs for the numerous calls I've had to make over the past few months, are additional expenses incurred on me! No loss to Dillon who doesn't care to call me back, or see to it that my refunds are actually credited to my account as he still gets paid at the end of the month!! It is very frustrating having money owed to you, that you actually need. Having to tolerate this, while access to your own money is denied, is a scenario that the insurance company would never tolerate if the situation were reversed. They would immediately impose penalties on the client, yet we as consumers have to bite the bullet and swallow the injustices we face, still being further inconvenienced with costs incurred on us. I have requested to speak to the finance department but Dillon says that I am not allowed to, so months pass by with me being no further advanced and increasing costs incurred on me while I beg for monies due to me. It is really pathetic! Debit orders which they deem due to them are taken from my account promptly (even as far as over and above that which is due) but that which is due to me is blatantly IGNORED! Clearly they cover their own backs and don't actually care a dam about their patrons! Makes me sick. So frustrating!