Gems removed me from their medical , took my money and refused to refund me. I WANT MY MONEY BACK

they took my money while i was not on the medical aid and refused to give me a refund, instead they put me back 9 days before the month ended. i resigned in june and was serving my notice july 2018. on the 4th of july gems called me to inform me if i resigned and i told them that yes ive resigned and they terminated my medical aid without informing me, i only found out that i was not covered for july when i wanted to consult with my doctor the following week, then i paid cash, the very same week my baby got sick i paid cash for her doctors consultation and even at the pharmacy. then on the fifteen when i checked my payslip i saw that gems deducted money from salary. i called on the 19th to enquire why my money was taken when i was not even covered. the call center agent told me that gems made a mistake but i will not get a refund, and the only thing they can do for me is to put me back on gems (he did not ask me if i wanted to be back on medical aid he gave me no choice). the very same day i went to see my doctor and i was told that im not covered on gems. i called the medical aid asking them to refund me because when i really need to use my medical aid everytime im told that im not covered and the agent told me that the only time they can refund me is when the money has reflected on their side and that i should call towards month end. the following day a guy called tshepo from pretoria head office came to my work place i explained to him what happened and he told me that what they did was wrong because they cannnot just remove me from medical aid then take my money and when i request my refund they put me back, we called gems and spoke to lady called cleodora, whos the account team leader she told me that she will listen to the calls i made to try and see if it was my mistake or not, telling me that she will check the first call that was made on the 4th to see if im the one who requested gems to remove me or not and that she will get back to me the following week. on the 23 she called me that they made a mistake on their side and that they will refund me, i asked how are they going to refund me she said they will return the money to persal and my persal will pay me even if im no longer working there. month end of july passed i didnt get my refund, 15th and month end of august passed still didnt get my refund. i called again easrly september wanting to know when am i gonna get my refund, i was taken back and forth and not given a straight answer and being told that on their system its not showing that i was supposed to get a refund. then when i requested to speak to their senior or team leader, she told me that she will ask cleodora to call me because for a refund to be made the date of cancellation was supposed to be changed. cleodora called me saying im not gonna get the refund and when i iasked her why because shes the same person who called me to tell me that ill get my refund, she told me that she escalated the matter and im not gonna get any refund and therefore she cant help me and that if i want to this matter up i should escalate it to their escalation department. they took my hard earned money and removed me from my medical aid without informing me then when i want a refund they put me back, they didnt just take my money they wasted myt time because i had to call them a thousand time and then make me look like im crazy by saying i will get a refund and all of a sudden change their statement. if they think that this is over they have another thing coming