PSG delays refund

I had a meeting last week Friday with a representative from PSG regarding my refund. The meeting was terrible and I was made to feel like I was at fault as I was asked why I didn't check my payslip before so I could have picked up the error sooner. I advised the representative that I had no need to check this previously as I always had changed my medical aid plans with PSG and have never had an issue. When reviewing all the doctors visits that I and my 3 kids have had thus far and discussing how much each doctor had billed Momentum he made a remark insinuating that it's alot and then quickly responded saying he too had a sick child. I thought the whole reason why medical aid is taken is to get treated when you and your dependents are not well. I was then told I would have to wait approximately an additional 2 weeks to get my refund and that he didn't know whether PSG or Momentum would be the ones refunding me. I was also told that they still do not know who out of PSG or Momentum were at fault for failing to cancel my Momentum Health for me cover. There was no mention of the R 4267 premium refund, this was deducted over the past 6 months. I do not appreciate being made to feel like I was at fault for not checking my payslip sooner to make their investigation and refund process much easier. Are you happy that you made an error and gave me a half hearted apology and expect me to wait until you have the time to see who will process my refund. I must just be ok with this? Put yourself in my shoes, over R25k of premium deducted from my salary for cover that was never utilized. Then I need to patiently wait until PSG decides that they have the time and are willing to help me and process my refund. You still expect me to pay one of my doctors in cash as this doctor is not under Ingwe. You haven't even issued me with new medical aid cards as well. I do not wish to deal with the same representative going forward and do request a female to assist me. I would like my refund processed before the end of this week and I want to be compensated for the delays. It's been 2 weeks since I have made PSG aware of something I feel should have been picked up by them.