Delays on a refund after cancelling policy

This company is failing to refund my money after I had my policy cancelled , it puzzles me why its to take them a month to refund my premium . To my surprise , when I requested for the policy to be canceled I was advised premium is to go off , however I will be refunded within 72 hours to be able to cover the new insurance . I then called them 4 days after the deduction , only to be advised that the refund will be done in 3-7 working days . Today its the 7th day , and there is nothing in my account , I called again today , remember it cost me money to call as well , and i'm not being advised to wait another 10 days before my money can reflect in my account .<br> <br> I mean what the hell do they take me , I want my money NOW . I'm not covered with them , so why should they hold on to what is not theirs anymore ? <br> <br> They couldn't even help me with Home assistance anyways ...I JUST WANT MY MONEY . NXA