Pathetic CLIENT SERVICE FROM MTN INSURANCE!!!!!

I’m absolutely done with MTN, I upgraded to a different handset on the 23rd/11/2019 at the Mall of Africa store . On the 25th/11/2019 I contacted their insurance division to cancel my previous handset with them as I had insured the new handset with Miway. On the 20th/12 , I was debited the Insurance amount . When I called them , told me it was the notice period. In January 2020 I was debited again , after sending countless emails I was told they had “forgotten” to action the cancellation and they promised the credit and confirmed they cancelled the insurance. On the 20th/02 I was debited again , 34 emails later asking the same information I was promised a credit back to my account.... I have now been debited again on the 20th/03 WHAT IS GOING ON??? . I haven’t received any of the CREDITS !! Almost everyone person dealing with this case creates a New Case number ,,,, I have now sent close to 40 emails ..... I’ve never experienced such pathetic client service !!!! PLEASE HELP