Nedbank Poor and ********* Service

So I called Nedbank to get a quote on LPA (Loan Protection Assurance) as I recently took out a bond with them. I did take life cover to cover the bond but generally, LPA is cheaper so decided to give them a try. I did not take up their quote and sent an email on 19 April letting them know that I would not be accepting the quote meaning that I am not taking up their product offering. Low and behold, Nedbank increased my Home Loan Bond Installment on 25 April by the additional Bondability premium. I contacted them and after much upping and downing, they cancelled the policy. As for my refund of the additional premiums that went off my current account to cover the "new" bond installment . Well, nobody is taking accountability for that. The insurance division credited my bond account with their refund. So when I followed up to hear when my current account would be credited with the additional premiums I was sent from pillar to post with nobody wanting to take accountability . The insurance division referred me to the Home Loan Division. The Nedbank Call Centre is closed and they cannot assist me as they are only blocking cards at the moment. They referred me to my digital app - but the agents their are also not operating. So, back to the insurance division I went and they told me that they only credit bond accounts not current accounts. Interesting since they are the ones that arranged the additional amount on my home loan repayment debit order on my current account. Back to the call centre. Still only assisting blocking cards. So I asked the consultant what I am to do ? She refers me to a branch. Now, Nedbank branches do not have the most knowledgeable staff unfortunately and why must I put myself at risk going to a branch? So I went back to the insurance division and asked for the proof of me taking up this insurance. Still waiting. So now I am hanging here, waiting for my refund and waiting for my proof that I accepted the policy and waiting for just one person to take ownership of my issue. I have lodged a complaint but also o response. Poor, unacceptable and ********* behaviour.