FNB not refunding charges for services not requested

In approximately I become an FNB Premier Client and a business was the single contact. No having to deal with multiple departments. You just call the FNB Premier Banking number and that is it. Now in January my package included a credit card and cheque account. All was well till FNB decided to charge starting July 2017 for debt protection service which I did not agree to. I only (to my own fault) only starting dealing with this issue 07 September 2017 for which I have a reference number. To date I have made approximately 7 telephone calls even logged a complaint on the FNB website and to date no positive results. To date I am still waiting for written confirmation that service has been cancelled and for the refund of the service charges plus interest since the service charges where levied against my credit card. The worst is when you call the FNB premier banking you told to call another department and eventually when I got them to do the run around I just get put on hold and have to await approximately 10 minutes before I get told that another query has been logged on my behalf. What is the point FNB of offering the service and you suck at it. I get better service from walking into a branch. And from Hello Peter reviews I have read all FNB will do is respond to this review and offer me another reference number indicating that my compliant has been logged. FNB I don't need another reference number I need my money refunded to me. I am sure had a been one of you clients with 6 or 7 figure bank accounts the service would have been so much better. It is shameful when I multi billion rand organisation takes from the little guy and then does nothing about it but just pretends to care.