PHAKAMA Daylight *******

I am very upset that Phakama is administering the discovery funeral plan. They double deducted a premium without my permission (which is against the PASA law) and now i get told it takes 6 days for someone to respond to the emails. So when will i get my refund then if it takes a whole 6 days for them to READ the email vs Refunding. This is daylight *******. Apart from this they didn't deduct in SEP i called in for a manual deduction to go off immediately. That was done. why still take 2 payments the following month! i get told by the consultant that is how there system works what utter nonsence is that?? i want my Money!

i dont even want to know how there claims service is if this is already so pathetic!