Mutual & Federal refuses to refund premiums for cancelled policy.

I cancelled my household policy with M&F effective end of Jan 2016 and asked my Broker (Best Advice) to cancel debit orders. M&F never cancelled it, and debit orders were still going off until Dec 16 when we brought it to their attention. They refunded me for 3 months, but refused to get back to me and refund me for the balance (R44,457.95 plus interest). I have taken the matter up with the Ombudsman, and M&F always has one or the other excuse, but confirmed that they will pay. This was in July and I have still not received payment.