Passing the buck!

I recently found out that an AD cover was taken out for me by the finance company which I had no idea only until I received my mail. I contacted MFC regarding this and was told to contact Regent as they will regund me. I spoke to Leandre who I feel have no idea what she is doing in the vap admin department. I told her I already got shortfall cover when I took out insurance for my vehicle I then asked her to check if she received my cancellation letter of which she confirmed. I asked her to action it and she told me she cannot do it now I because it will get allocated to someone which I found was ridiculous. I asked to be refunded and then she said MFC never pay them as yet. I then asked her how long it takes for MFC to pay them she said 45days. I told her I took cover from the 06/03/2015. Her response after that is that it can take longer then 45 days for MFC to pay them. She have no customer services experience whatsoever and I am absolutely glad I dont have other insurances with your'll. All I want is to be refunded on my shortfall cover and for it to be cancelled. !