Complaint re: Discovery Insurance withholding refund

I cancelled my Car & Contents Insurance with effect 31.10.21, yet Discovery still took off the premium for November although they had been notified of cancellation. The DQ tracker has been removed. I have made numerous phone calls (none of which are free phone calls, and each of which lasts no less than 20 minutes - mainly being on hold), and been advised by numerous consultants that the payment was being processed - they could see it was on the system - yet here I am waiting, after yet another empty promise yesterday morning that I would receive a call by close of business re: refund. I Called again today to follow up and request the staff member in Client Servicing Department by name - his colleague said he was sitting next to him and had passed the message on - I was once again informed it was with the ever elusive Accounts department. I asked him to ensure he phoned back by latest 11:45, it is now after 12:00. It is now 15.12.21. All of my calls and my numerous mails going back to Mid October are on record, and I have reached the end of my tether. It is near impossible to contact Discovery via e-mail - they merely send automated responses - and all of my telephone calls have ended in empty promises and NO refund. Discovery appear to be very quick in adding items to your Policy Schedule, yet make it almost impossible to cancel, and/or receive a refund - and after a brief look online - it appears that this is a recurring theme. Not exactly an advert for trust.