Old Mutual group scheme is a *****

In September I went to change from debit to stop order, my life policy was changed accordingly in October then in November Group Scheme deducted from both bank and payslip then I phoned them and I was told to send an email ofwhich I did that on the 18th November, in December when I realised that I haven't received any response from them I went to their brach in Queenstown ofwhich I was told they see that my query is logged in and I should wait and I did that. On the 15th again group scheme deducted on both stop and debit, I then went to their branch in Mtata at circus triangle and I was assisted there within a day I received 1 month premium back and I went to query that at Mtata CBD old Mutual then I was told that Old do refunds on monthly basis therefore I should wait then on the 4th Feb, which a month later nothing happened then on the 8th I went to the branch then the enquiry was logged in and I got the reference. Yesterday I called them before and after I received an sms saying "we do not see that double charge" the soft speaking lady, so much I didn't even get her name, got cut off without an straight response. Today I phoned and spoke to Mandisa, who mentioned 2 premium holiday, ofwhich I don't know the second one which she said it was in November, which is the month the double deduction started and I explained that to her and even told her I can send my bank statement and payslip then she left me hanging and I decided to drop the phone after 10 minutes of holding with Noone talking.