Finchoice are useless

Been using finchoice for more than a year was using their mobi money system works like a credit card and the personal loan this year with my bonus paid my loan off and realized money was deducted from them for a funeral cover this where it starts cant use mobi money and loan after i paid i phone customer service useless answers nobody can help they say must wait for the system to update been more than a month no emails answered said would pay the funeral money back been sending emails no answers no help people are useless service even worse