REFUND TO BE GIVEN

HOW COME THAT SANTAM IS SO EAGER TO TAKE YOUR MONEY BUT WHEN THEY NEED TO REFUND IT TAKES UP TO TWO TO THREE WEEKS. I CHANGED AND ADDED HOUSEHOLD GOODS TO MY EXISTING POLICY AND THE TOTAL POLICY CHANGED AND THEY NEEDED TO CANCEL THE EXISTING REPLACING WITH ANOTHER AND BOTH WENT OFF ON MY ACCOUNT AND EVERYBODY PROMISES THAT IT WOULD BE PAID BACK JUST TO GET RID OF YOU ON THE PHONE, WITH EMPTY PROMISES. IN THESE TIMES NOBODY CAN AFFORD TO PAY R3000.00 TOWARDS INSURANCE PREMIUMS.