PAYING FOR A POLICY THAT DOES NOT EXIST

I call Standard Bank credit life to get my policy numbers for my credit cards and loan so I could submit to Ucounts to earn more points, on my 1 credit card, they advised me to call Hollard to get it as the policy is with them, I called Hollard and they could not pick up anything with my ID, called Standard Bank again and they checked again, they told me the same thing that it is with Hollard and not with them so I called Hollard again and they still did not pick up anything, I called Standard Bank about 4 times and Hollard about 4 times and still nothing, I then called credit card division to find out what reference they are using to charge my credit card for the credit protection policy, the lady advised me that all they can see is credit protection policy, no reference numbers, I explained to her the problem and seem like it does not exist, she escalated my query on 8 Nov and given me a reference number and turnaround time was 14 Nov, just before the 14th I had a call to find out what I was querying, I explained the whole situation again and the consultant said he will come back to me but did not, I also advised him that if there is no policy, I must be credited for all these year plus interest that I have been paying, today I called to follow up as there was no correspondence from the bank, the first guy I spoke to advised me that the case number has been closed on the 14th, I told him that did not get any feedback how can it be closed, he then gave me a number for the person handling the case to query but that number is always busy so I called back and spoke to another consultant and had to explain the whole story again, he said that he was going to call a specialist and put me on hold, he did not want to transfer me because I had already been sent from pillar to post, he then transferred me to another guy who already was briefed on the problem, he asked me to hold while he called Hollard, once he came back on the line, he advised me that Hollard confirmed that they do not have a policy under my ID and Standard Bank don’t have a policy for this credit card and he asked me to use my credit card number for Ucount as reference, I stopped him and said the bigger issue here is that I have been paying for this so called policy for over 10 years and that I must be credit with interest, he then put me on his manager to assist with this query, there again I had to explain to her the whole story and she said that she will escalate this to be investigated, she could not even give me a reference number, she said I must use her name.

This is ridiculous, how many times must the same thing be investigated??? It’s been done so many times already and there is no policy, even the Standard Bank consultants confirmed there is nothing with them and they called Hollard and there is nothing I need to be credited for all these years with interest that I have been paying…….