GROSS INCOMPETENCE FROM STANDARD BANK INSURANCE

Several months ago I took out a funeral policy with Standard Bank Insurance. I was told i would receive my policy document within 1 week. The debit order has been coming off my account every month. My brother passed away 28th August and that reminded me that I do not have my policy as yet which means should something have happened to me nobody would know about the funeral plan. I contacted Standard Bank Insurance and requested my money be refunded since I have been paying for something which I do not have. The next day they sent me the policy as requested. I did not request the policy. I want to be refunded as I have no interest in a company that will possibly take a year to pay out. This is gross incompetence!!!