REFUND ISSUES

Refer to my other complaint regarding IWYZE where I raised an issue regarding disclosures and transparency. I am back again this time my issue is the refund that is due to me after a settlement was reached due to my car being written off. I signed their AOL on the 17th September 2015, my banker whom I obtained finance from was paid the settlement on the same day, I was not. Today is the 19th I have not been refunded. Yesterday I was on the phone with their claims department for the whole day, I was promised that the money would be in my account around 12:00 yesterday, today is the 19th @ 1:20 and nothing has come forth. Yesterday they demanded that I return the hired car to Avis as they have paid both my banker and myself and concluded the claim except for the excess which they would refund after they get their recovery from the 3rd party responsible for the accident. I returned the car, now I do not have transport and the refund, is this fair???<br> The contract says 30 days for the rented car if the claim is not finalized, but I was asked to return the car yesterday and I have not been refunded yet. Where is the accountability here? No car no refund. <br> Painful experience.