Nedbank is pathetic!!

Hi.I currently have insurance with Nedlife. I have it for the past 4 years.My debit normally is R500 and goes of before the end of the month.This month it went off the first and I was debited twice my premium. I phoned and sent a 'call back' request twice,no one phoned me. I then sent a mail twice and no one phoned back. I sent a mail to my banker and she told me to go to the bank or phone in. I could not go to the bank and had to phone at my own expense. I was told by onsurance department that the problem is not on their side and it must be with homeloan department which they put me through where I had to wait 10 mins and put the phone down. I phoned again and ask to put me straight thru to homeloan department. I was then told that they have to put me thru to insurance department again, annoyed I told the lady that they told me to speak to a consultant in that department,she then put me on hold trying to find out what is going on, after another 10 mins,someone in the insurnace department answered,where I had to repeat my ID, home adress,cell number and explain my issue for the fifth time,he told me that they had system issue,and I would be refunded in 48 hours,that was three days ago, I have yet received my refund. That is why I do not bank with Nedbank anymore rather with any other bank, Nedbank is pathetic! This was inconvenient for me, Nedbanks mistake, I had to phone at my expense,my time during working hours,just being told that there is a system issue after speaking to the fifth person,why couldnt the first person tell me this,why did the first person not even know that there is a system issue?? And if there was an issue,why could Nedbank not sent out an sms to the affected people, to uhm...state that there is an issue, or apologising?And why is it only free to phone from a branch,why isn't there a toll free number for issues like this..damn.Pathetic!! Doesn't matter, I am going to cancel.just give back my refund!!!