Disappointed

I bought a new phone this year in June at the game pavilion and a Hollard representative come to me and offered me cellphone insurance at R71 per month which I then accepted ,the next month I was billed R131 .I contacted the call centre in September and I was promised that they would refund me.Its now November and I still haven't recieved my refund on top of it all last week i was sent an sms which stated that I have to pay R142 or else my account would be in arrears.I am very disappointed and upset in the manner that Hollard insurance has handled this matter .