Blatant Dishonesty & Terrible Service from Santam

I am a diligent client insuring both my personal and business portfolios with Santam. My payments go through by debit order every month. This is how Santam has treated me: <br> 1. Inexplicably and without any cause or reason debited almost double my monthly premiums on two occasions<br> 2. Has debited inexplicable and excessive amounts on several occasions. Processed a 17% premium increase without any reasoning or communication, only to back-track when we brought it to their attention.<br> 3. Has promised to process refunds in writing to rectify its errors and has subsequently reneged on those promises!<br> 4. Has not been able to provide any explanation for the above issues despite several e-mails from both my broker and myself asking for information<br> 5. Has not afforded me or my broker an opportunity to escalate my complaint to senior management<br> 6. Has refused to offer me any compensation for the ********** debit orders<br> I run a small business and this big business bully with its sub-standard systems and pathetic customer service has messed with my cash-flow and placed me and my business at a disadvantage. Do I take this complaint to the Ombudsman or to the SAPS?