Sick of MTN

If I could, I would give them no star. I cancelled my cellphone insurance in the 16 January and was told the last debit would be at the end of January. In February, I was debited once again for the insurance. I called MTN and was referred to the insurance company. I spoke to the insurance company and they said I was not supposed to be debited because they cancelled the policy. The insurance company then referred me back to MTN and I eventually logged a complaint with MTN which they referred to the insurance company. The insurance company eventually said I would be refunded by MTN because it is them who takes the premium. This month, they have once again debited instead of refunding me. Such an inconvenience they have caused me. I have also emailed the Ombudsman regarding this matter because ICASA was not able to help. I am not going to let this matter go until I get a refund and a compensation for the inconvenience they have caused me.