Home loan Insurance policy

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1st issue I got a home loan from standard bank in June 2020 which I have been paying eversince together with an insurance premium of about R307. Last week on the 14th of March 2022, I had a problem with my geyser and I emailed the home loan insurance department only to be told that I do not have insurance. Apparently they told me that my insurance was cancelled yet I was being debited for insurance from the onset. Upon asking them why I was still being charged for the insurance( which they claim to be closed), they told me that they will investigate the matter. I then called do follow up and I was again told that they are still investigating the issue. I have been without hot water for about 9 days now. Therefore I'm requesting for a full REFUND of ALL the premiums I paid towards my home insurance policy. I will then get insurance somewhere else because I have lost trust in the way my claim was handled. I have already fixed my geyser at a cost of R2750 from my pocket. Please process my refund

2nd issue I have an Access bond account which I transfer extra funds/money to but I only see R1200 of which the money which I have been transferring should be around R10 000 by now. Where is the money which I have been transferring going to if it's not reflecting on my Access bond Account? I really need clarity because if for some reason or the other I ever want to use that money from Access bond, where will I get it from?

I'm not happy with your service. It makes me feel like switching my services to another bank.