Refund the money you took unauthorized

Horrible to say the least.. I contacted outsurance sometimes in July to claim on motor waranty, the claim was declined because the item I was logging a claim for was not listed under insured Engine items.. No problem.. How ever I picked up on questions I was asked as part of claim processing that they had my husband as a regular driver on both cars Which was never the case, my husband works mostly out of the province using the company car even when he is at home.. Fine on Thursday (I dnt know why I kept on forgetting) I called to have this rectified and also to have clarity on Email we recently received about car tracking devices.. Then the phone got cut while I was online about those 2 matters.. As usual outsurance would call me back in literally seconds, however this was never the case.. Late afternoon my husband called me about debit order with our insurance policy number referenced.. We had no idea what was it for. Well I followed up and I was told the change that I initiated was the reason why premium has now increased by R630.. And that was just a pro-rata amount on the increase..shocked as I was I demanded a repayment because this was in fact a theft from my account I didn't authorize such an amount.. Well they promised a refund in 48hrs it's Monday afternoon when I follow up now I'm being told of 3-5 days. Hee Bannaa kanjani now?? No the money is still hanging between your account and not yet reflected on our side so we wait till then.. Did I tell you my husband had to borrow R700 from a driver who took him to the airport because his luggage was in excess of the minimum weight?? While outsurance is hanging out with or R630?? Guyzzzz aaah maahn I'm super annoyed because to start with your employee is the *****ed one here who was chasing sales and not doing things the right way.. Why should I suffer and spend the whole R100 (yes R100 GETS ME 5 SUNLIGHT REFILL POUCHES ON WONDER WEDNESDAY AT DISCHEM) calling you for the money you clearly ******.. Like how?? Why should we borrow when you have luxury of just hanging out with our money.. Really outsurance worse Katlego has some liver to tell me I can't talk to the department HEAD (SAME department head I had to pay visit early July because another employee didn't find it urgent to inform us on cellphone insurance claims and we had to keep calling to see how far are they with the claim. That one?? Yhoo) .. Seven years of total loyalty to you and this is how you thank us.. We keep on adding product after products because I'm convinced you were the best shot.. Well not anymore outsurance not any more.. I think the problem starts when one claims.. Because all alone we encountered zero problems with you.. Had to put the full story here since your online complaint limits my frustrations to 1000 word.. Well I have R630 word more