Nedbank Insurance wont rtefund client

I took out a Nedbank Home loan Insurance, and the debit orders went off from my Nedbank Account. It turns out Nedbank Insurance is also debiting Homeloan Insurance from my husband's account for the same property, which goes off with the bond. On realizing this, I alerted Nedbank Insurance and asked for cancellation of the policy that goes off with the bond as we never authorised that policy. We also need a refund for the policy that has been debited from My husbands account. I raised a complaint with the Nedbank complaint department and I was told Nedbank will not refund me as I have had claims against the policy- as per Lorraine Posner. I'm very frustrated with Nedbank, they claim to make things happen, but since 21 January I have been struggling to get a refund for the policy and I'm quite surprised that no one picked this up every time I called for a claim, and the time it takes to resolve this matter has been over a month now, what a terrible customer experience!