Extremely poor service

WORST SERVICE EVER! I recently processed vehicle finance through mfc and my car was ****** a few months later. After the insurance payment was done. A refund was due to me for the body care cover that was added to the policy but was never used. I was advised by numerous agents at the call center that the refund would take 30 days to process, 5 months later still no refund, the agent then sends me an email advising that no refund is due to me.I have sent emails through to the customer care agents as well and received no assistance from them. My account gets debited month after month for my new vehicle yet I did not receive funds due to me for my old vehicle! I have sent numerous emails over the past few months and Iam highly frustrated with the responses I receive. I have requested call recordings and even want over my policy documents terms and conditions, and advised the customer care agent to kindly assist with my request. I don't recommend mfc to anyone who requires vehicle fiance. It is very very difficult to get any assistance what's so ever! You will get pushed around from one agent to another just as i had being, but never get the assistance you require and it is extremely difficult to get a hold of someone to even assist, you will always be placed on hold or the agents just never answer any calls. I cannot stress how important customer service is when committing to a long term arrangement with a company. So i urge everyone to consider wisely.