Fnb Life - terrible service

I was retrenched, app**** for my policy to cover loan payments and was approved. Fnb continued to deduct the debit orders every month despite my calling EVERY month, several times a month using hundreds of rands of airtime and being transferred up to 8 times a call, to get the debit order to stop, of which they only stopped one to date. Then I couldn't get hold of anyone to arrange for the refund of the debit orders incorrectly taken, was just transferred again to a bunch of different agents who could do nothing to help me. Branch cant help me, they say I must phone. It's been 5 months, I am still waiting. I received an email a week ago stating 48 hours for a refund - it's been more than that at this point. I am so disappointed. Been banking with fnb for more than 15 years and they dropped me when I needed it most. I'm having to borrow money to make ends meet, even though I have been paying the insurance for years to cover me in this eventuality.