BAD SERVICE AT INNOVATION GROUP

Innovation group continued to debit my account after the policy has lapsed/expired. When i called about 4 weeks back, they told me to contact standard bank for refund, standard bank laughed at me when i told them that i want my refund and they told me to call innovation group and ask them to give me the refund as they(standard bank) only debited my account because they received the instruction from innovation group, and the debited amount they(standard bank) gave it to innovation group. Today (the worst of it all) i was made to hold the line for 35min with no one giving me anything to work with. Every time i call they tell me to hold they will find out, but i end up holding with no concrete feedback.I want my money back, they should have not debited my account, when the policy expired.