****- has no record of policies but deducts premiums

I opened a policy with Hollard on the 06/11/2020 through a consultant named Ruan Vermeulen who came to my workplace. After phoning Hollard a few times in early December I was informed that Hollard had no record of my policy but to my surprise a premium was being deducted from my pay slip. I was told to phone regent life and enquire. After receiving information from Hollard that I couldn't cover my grand mother due to her age and after picking a discrepancy in premium agreed upon and after picking up that the premium was being deducted from my payslip after I asked for it to be deducted from my personal bank account and after information that there was no record of my policy at Hollard I decided I wanted a refund and an immediate cancellation of this unknown policy. Hollard said they couldn't assist me because there was no record of my policy and I should contact Regent Life. After trying to contact regent life a few times to no success because they don't answer their phones, when I eventually got through I was told by a rude consulant by the name of Lydia if I recall correctly that there was no way I could get a refund from a funeral policy despite the fact that I had been phoning Hollard to cancel this policy before any deductions could be made. I visited a Hollard branch on 25/01/2021 for assistance with the policy documents. The lady assisting me confirmed that there was still no record of my policy and therefore assisted me in writing an email to regent requesting a refund. I still have not received a response to date. I sent another email to both Regent and Hollard on the 05/02/2021 but I'm still awaiting a response. On 09/02/2021 I phoned Regent who then told me to phone their head office who told me they were aware of my complaint and would get back to me. 3 months trying to cancel a policy and get a refund due to false information.