Terrible Service...

I was trading in a vehicle, I informed Miway on the 19th January of the change. I was told that I had a pro rata payment and a refund and that they would offset both with the premium due on 1 Feb. on the 22nd Jan they deducted the pro rata premium and put my bank account into a negative. My bank reversed the debit. I phoned and informed Miway and was told oops sorry, we will correct this immediately. On the 25th I get an sms that because the pro-rata had not been paid I was not covered. Again I called Miway, as when you request a call back nobody does, so you land up holding for 20 mins just to speak to someone. Again I was apologised to . By now I had had enough and cancelled with Miway and went with Momentum. I was informed that I would get my refund on the 1st Feb. Suprise they deducted the premium for the cancelled contract and put me into overdraft again!!! When I called i was told that they would cancell my policy.. which was supposed to have been done on the 25th Jan and that it will take 72 hours to get my refund. This was after having to explain the entire story again.!!!