Overpriced, Poor service and does not want to cancel insurance.

ABSA Indirect insurance added insurance onto my vehicle finance without my consent. I got an email with my vehicle instalment statement for January early December, and I saw that they added an extra R2000 for vehicle insurance. My vehicle is already privately insured, and I resend proof of insurance immediately in December. They still deducted the amount with insurance, and I phoned them (also in December). They said they received proof of insurance, and a cancellation order was given as per request from my 1st email. They said I will be refunded in about a weeks’ time. I have not received my refund, and I send an email in the beginning of January stating that I have yet to receive my refund. I got an email back stating a cancellation order was given and escalated and I will receive my refund before or on the 15th of January. I have still not received my refund. I then also received my instalment statement for February and the insurance are still added. I send an email again which was ignored. Indicating that after 3 separate requests it is still not cancelled. I went to my local ABSA bank and asked them for assistance where they helped me phone ABSA Indirect Insurance, they again send an order for cancellation, they marked it as urgent and send it for escalation and I was told I will be refunded by last Friday (the 24th of January) I have still not received my refund. I do not have enough money in my account to pay for another extra added insurance in Feb which will lead to my debit order being dropped because of ABSA Indirect Insurance not doing what they said they would. I already took a R2000 knock from the wrongful deduction in January I cannot afford another R2000 in February. I am a mother and I need to buy diapers and food for my baby which I had to borrow money for since I was not refunded. I already have insurance on my vehicle which is R900 less that ABSA Insurance indicating that not only is ABSA Insurance Dishonourable, but they are also overpriced, with poor service. ABSA Indirect Insurance obviously has a very big problem internally since there are also so many other people also on this site with similar issues. This just shows that there are a bigger problem of incompetence or other sinister motives behind this compony not complying with cancellation requests and not assisting their clients.