Bad customer service from PMD

I started my policy last year June and a few months after that i missed a premium and the month after that I resumed with payments as normal all the months up until this January. Fast forward to this year, my mirrors got ****** in Joburg CBD. I then submitted the a claim, after doing so PMD took about 2 weeks to get back to me about my claim. When they did get back to me told me my claim was not approve because my policy was inactive since last year when i missed a payment. They said they sent me sms's to send pictures of my car so my policy can be reinstated, I don't recall that, but I understand that was on me to check my messages.

My problem is all along my policy was inactive meaning i didn't have cover for my vehicle all this time hence them declining my claim, they continued to debit my account. After getting feed back from PMD about my claim i then instructed them to cancel my policy as it hasn't been active and requested my premiums for the months my account was inactive. They forwarded my complaint to their legal team to investigate and I spoke to someone there and they said i should get my premiums back with is 3 days, this was last week. It is now Friday the following week and I have not received anything. I called yesterday as well on Thursday find out and all i got was it should have come through. Its been a month and some days now that i have been driving in terrible conditions with out mirrors with is also dangerous to do so on Joburg roads and i haven't received anything so i can go buy the mirrors my self.