Fnb life cover policy is a ****

Fnb is refusing to refund me,I signed up for a life cover policy with them and within 2 months I changed my mind and canceled the policy. On their terms and conditions it is stipulated that I am entitled to be refunded if I happen to cancel the service within 2 months of registration,I called them numerous times one of their consultants told me that they can not refund me, the other one asked me what makes me think that the Fnb owes me the refund and when I referred him to the terms and conditions of the contact he promised to refund me in 12 to 24 hours. It's been 5 days now and I have not been refunded, I emailed them last week Friday and every day I receive the same email from them telling me they are escalating the matter to rightful departments.