Poor service and incomoetency

On the 13th Dec I bought a Vehicle, and they debited the prorata amount that covers me for the rest of the 15 days and on the 20th they debited again the full amount for the whole month.

Now I cancel the insurance, the lady I spoke to whose Gricelda Moima said they will refund me back for the rest of the days within 48/72 hours I waited and when I call back Ms Nqobile Gama said there's no refund if how so I don't understand. Also now I have to wait again for my money.