No refund after a month

In November 2014 when I sent my application form, it was for myself as the main member and my husband and our son as my dependents. The membership was only going to be active as from 1 January 2015. In December I wanted the membership to be activated but I wanted my husband to be removed as one of my dependents as he was retrenched and we could not afford the whole premiums. I therefore made a payment on the 4th of December for myself and my son. When I sent the proof of payment to you on that same day I also sent the letter requesting my husband to be taken off, as I was told to do by one of your consultants. Our membership was then activated. But on the 2nd of January 2015 R3200 was debited from my bank account. This was the premium for myself and 2 dependents after I requested you to remove my husband as one dependent! I have been phoning the customer care center since 5 January 2015 requesting a refund and according to your system the refund was only requested on the 22nd or 23rd of January! Why is this when I have been phoning every week? And still no refund has been made!