Fund Reversal 10 days Late!

Very disappoint, I'm left without transport money to get to work because they debited my account when I have cancelled the car insurance on 15 January. My account was debited on 1 March, I called them on the 2nd March to rectify the problem, I was made to hold on the phone for almost 20 minutes (my airtime).

I was told that whoever helped me on the 15th of January never updated the cancellation but they have the note to prove that I did ask for a cancellation. I was told that they would refund me all amounts due in 7 days.

It's now day 8 and my money has not been returned! I called to follow up and I was made to hold again for close to 20 minutes (my airtime). I was told a long story about reversals and bank statements and amounts not loaded which does not make sense in my life.After the whole explanation I am told that I have to wait a further 3 days for the refund to be processed which is really not ethical in my mind.

I need the money, I cannot get to work now because I have a shortfall for the month! waiting another 3 days on top of the 7 is 10 days in total where I have to sc**** off living! I am left stranded with no money because of this!