Bad service

I'm a very irate client, *****ulent policy was done and my money was deducted from my account. In November 2025 I visited an Old Mutual branch in Cosmo City and I was assisted very professionally. I received my money within 10 days. Again in December 2025 another debit order went through. I visited another branch in Johannesburg CBD and I was given another reference number and I was assured that my money will be refunded. In January I visited two branches ( Southgate )to enquire about my refund , the gentleman that the ticket was allocated to showed interest in assisting me, his focus was on his cellphone and he just told me that the refund was in process without making a call or checking on the computer. I left that branch feeling very disappointed. I again visited another branch in Jabulani Mall to amend a beneficiary details and following up on my refund. She assisted with regards to amending the beneficiary details and I asked her to check for me the refund, she only said to me that the money will be refunded without checking, also she was only interested in going to the bank to put a notice of withdrawal of money so that she can pay for school fees and also chatting with relatives about it is going to be cooked for supper. I also left the branch disappointed. I visited another branch in Randfontein, and the lady that assisted me was very very professional. I filled in documents and I handed my bank statements so that the refund can be processed and on top of that she made a phone call to Old Mutual call center. I felt very good about the service that I received from that branch. But still today I haven't received my money. There's another debit done on Saturday 24th of January 2026. Old Mutual is so quick to debit my account, but when it comes to refunding my money takes forever. Here are following reference number-***, *** and ***. I want to make it clear that I am not prepare to visit another branch to query the latest debit deduction. I am also thinking of ending my relationship with Old Mutual and request all my money deducted for all my policies.