Refund

I was behind with my premium due being financial strained and tried paying every last day of the month as I know they close their calender day, unfortunately they say my cover lapsed in December, but I paid January, February, March April when I was to pay for May I called to get the correct amount since I was not getting communication from them anymore, that was only when I discovered that I had no cover but they kept my funds from January to April, a consultant said I should send in proof of payment and I did just that but it's been a week now no one is communicating with me regarding my refund, and I wrote an email to say I need the funds to pay for a new cover since me and my family are no longer covered but still no one responded, when you call their lines they transfer to the next consultant until you run out of airtime, hello Peter you are my only hope, please help me.