waiting for my refund and feedback

My previous post explained what happened. So they cancelled my policy like I've requested but didn't give my money back that is left. They state according policy no refund. What does your policy say about delays in authorisation and letting a customer miss out on work? And I'm asking this again who is paying me for the day I missed at work. Like I've said I'm not going to leave this until I get my money. I want my money!!!! You not dealing with a stupid.