Ridiculous refund process

I canceled my insurance with Iwyze due to the follow reason: My premium increased twice this year and the reason behind that was because of their pricing department My cancelation was solely because I needed a cheaper car insurance and could not afford the expensive premium

I was penalized for canceling my insurance because apparently I needed to give them 31 days notice even though their yearly increase was ridiculously high and had to pay R450 for not serving my notice...I was not even made aware of this amount when I canceled the insurance initially, it only came up when I queried my refund amount

My debit order went off on the 20th even though my insurance was canceled with immediate effect on the 16th and was told over a recorded line that my debit order will not be processed and now I am given the run around with my refund,I'm told that the refund policy is 10 to 15 working days whereas when I initially called to start the refund process I was assured that the matter was escalated and that I would get my refund within 2 to 3 working days