Debited my account - No refund 10 days later

My policy was cancelled on the 24th of August and the premium(R1200) was debited from my account, I called on the 26th and they said they will refund me withing 72 hours and that never happened, I called again after the 72hours they said they were missing a bank statement, i sent through my bank statement and they said a refund was requested and i will be refunded after 72hours, still i recieved no refund. I called again after that 72hours and they said no refund had been requested by the person i spoke to, they said they requested a refund. I still haven't recieved my money. I find no joy in making phone calls to beg for my money back, and the level of incompetence in the client services department is just ridiculous....