Old Mutual is a disappointment.

I sent an email to cancel my tax free savings account on Monday as I wouldn't be able to afford the payment this month due to unforeseen circumstances. The email was requesting a cancellation and till this day in all the correspondence no one has answered when I can expect this policy to be cancelled. Yesterday I was told to write a letter to request cancellation something no one had told me from Monday till yesterday. I sent the letter no response since. My account has been debited again and it's overdrawn by a R1000 plus charges for FNB honoring the payment. Old Mutual staff are great but I wont make the mistake of dealing with the company again. Steer clear, they are quick to take your money though... When can I have my refund?