Terrible Service!!!

Again I have to take time out of my day to address a simple issue with my bank. WHEN ARE YOU GOING TO LEARN WHAT GREAT SERVICE IS. I had asked for my Credit Protect policy to be cancelled which took pretty much 6 Months to achieve. I have now been completely ignored for the refund of MY money FNB just kept deducting. I WANT MY REFUND I WAS PROMISED!!!