Refunds from discovery insure

I phoned to cancel my policy. And then they tried to reduce the premium, but they canceled the policy thereafter and sent an email confirmation. then they deducted the premium anyway by reinstating the policy without my permission and not even letting me know and when I called I was told they reinstated because the cancelation was done incorrectly and then when you ask for a refund they say 7 to 10 working days and don't actually refund your money, I guess hoping that you will forget about it and did not give a reference number. So 2 weeks later when I call they very nicely say yes there is a credit and they will request a refund and now give me a reference number. And I need to wait another 7 to 10 days for it to get processed!