Refund on canceled policy, debited even though debicheck was rejected. Inspection not done there policy not active.

They are making empty promises with my refund after their retention consultant promised that within 15days I should get my refund. The 15 day passed and still no refund has been done then they come back after the 15days and tell me that their accounts department say I don't qualify for a refund.I cancelled my policy forseeing these Old Mutual tactics because I discovered that they underwrite pineapple. I didn't approve their debicheck yet they still deducted the money out of my account. I didn't do the inspection which is a requirement for a policy to be active yet they are holding on to my money 🤔