Disgusting customer service

I am having the worst issue with Sanlam, specifically with my Gap cover

I have been with them for a few years now. Never needed to claim. Paid premiums on time

One month because there were a few Rands less in my account, the payment bounced and I had to manually pay.

However, they started to double debit me after that. Due to the fact that I only keep the funds for medical aid and Gapcover in my account, the amount for the Gapcover premium kept bouncing and I would have to manually pay every month

I eventually emailed them and it literally took the entire month of September to sort it out.

My last email (16th Sep) received confirmed that all premiums were up to date and the double debiting would stop.

Lo and behold, they do it again in October!!!!

This time I had money and all the money left my account. I started to call them from the 6th of October and it's been one month now and multiple phone calls and now emails to sort this out and get my refund. Hundreds of times being told July was outstanding, oh no August. Actually October. And every time I send a proof of payment, it's another month that they claim is the issue. Funds cannot bevallocated. How is that my fault?

I'm absolutely fed up now with this bs. To take our money they are very quick to credit you. But to return one lousy premium, they run you through the bushes.

This is not even to talk about how many months it took to put my son on my Gapcover (because I already had my daughter on, they wouldn't get any extra money) and it took FIVE months for them to register him.

I'm disgusted with this service.

Fatimah Tuz Zahra Hoosen