Lying and Incompetance

I had 3 value added services with mfc attached to my finance of my vehicle and cancelled all 3 in April 2015. They said it will take about 20 odd days to reflect the refund and my capital owing will be adjusted and thus the monthly premium will be reduced. So I waited the required time and phoned them and they said it was done so I was a happy chap. and out of curiosity I phoned them just now to find out what my new premium will be. And lo and behold I was told that only 1 of the 3 policies were cancelled. the lady, I forgot her name said she will resend the application forms that she can see on the system. So now I must wait another month to see the reduction in my balance. is that incompetence or just plain lying to the customers, why should I suffer and pay for the incompetence of MFC? I was then told that the value added service department would call me by the cob today. In my experience these companies don't ever stick to their word. I do not think I will get a call from MFC today.