Bad service Not refunding my premius.

My pre authorization could not proceed due to a Dr not submitting a clinical history,Where clinical assessors tried more than 5 timeas and i also tried many times to get hold of the Dr with not success of obtaining it. When i ask Momentum what is the way forward and they tell me to either proceed with the procedure at my own cost or i terminate the contract and they will refund all my premiums.

I did terminate but now its a hustle to refund my premiums, they are just sending me from pillar to post with no way forward. All i want is a refund of my premiums as you've said that you cannot assist me further.

All these follow ups i am the one contacting them and whenever i call who ever i find will just give me different story and excuse. I mean why put people at call centre if they dont know the stardand procedure because every time i call in im told different excuses