Poor Product and Service Perrformance - NO TCF @ SANLAM

On the 18th August, a week before my debit order was due, I called Sanlam regarding my RA Policy and asked for my premium to be reduced from the R770 to R500, I asked if there was enough time to have this reduced premium come into effect by my debit date which was the 26th August and was told YES, provided I complete and send back a Declaration form which would be emailed to me, (I received the form at 1:23PM and promptly sent it back to life@Sanlam at 1:29pm same day) - On the 19th I received an email stating attending to it and Est date for completion is the 24th Aug. On the 23rd Aug i received an email stating 'We need confirmation from you to skip the growth for 26 August 2021 before we can provide the decrease quotation to you. The payment for 26 August 2021 is already requested from the bank." - I rep**** to the email and stated that " I would prefer it if you can refund me the difference of R270 if the Debit order of R770 is scheduled to go off." On the 24th I receive yet another email from Sanlam" We need confirmation from you to skip the growth for 26 August 2021 before we can provide the decrease quotation to you and we still waiting confirmation from you. In order for us to do the decrease, you need to complete a decrease quotation" I called in and spoke to a woman who advised me to reply to the email and state "Skip the growth for the 26th August and apply the decreased payment EFFECTIVE 26TH AUGUST If you debit my account for the R770 – I want the R270 REFUNDED back to me asap!" Auto response from Sanlam and date of Completion moves to the 31st On the 30th August I receive a 19page document which I now need to complete. I then receive an email on the 31st to say "The refund of payment that you requested on the above-mentioned plan has been finalised, and we have deposited R70.00 on 31 August 2021 into the following account" I AM EXPECTING R270!! I Reply on email get a call at 1:25PM today on my cell and ask for a call back in 20min and still NO CALL BACK! - This is absolutely pathetic service. I actually feeling like cancelling this policy, Definitely more efficient Insurers out there!