refund taking 3 years

I had taken a death and disability cover then the next day another one was activated without my say so. I proceeded to cancel it at branch when I discovered this and requested to have all my instalments refunded. That was march 2013. They told maw I had ri wait for a call retrieval that took 15 days. After forever plus a year Distill have not received my money to date! I have called the call centre a million times and requested to be referred to complaints department with no luck but being sent from pillar to post asked to wait 15 more days after 15 more days. I will not give up on this money-and am willing to go through courts if these big financial institutions feel they can ***** the money from hard working individuals cos I was unemployed when I claimed for this money and needed it most not knowing it would take this long. I'm so angry at this but will fight until I receive what's rightfully mine.