Refund of money

I am very disappointed with Standard Bank! We have been going back and forth with them for a couple of years now. So I got a vehicle finance from them and it turns out the car is a code 3 vehicle and till date Standard Bank doesn’t have the Natis for the car. So I took the car back to the dealership and and went to Standard Bank to sort this out and used the NFO route because they really weren’t willing to assist. After investigations the NFO concluded that my contract should be cancelled and my instalments should be paid back to me for as long as I can provide evidence for all the instalment which will be via my bank statements which I provided. Standard Bank cancelled my contract but when it was time to refund me my money they refuse to do so even after the NFO has advised they do but till date after sending emails to Standard Bank to assist with this they ignore me and and state they have assisted me whilst I have not received my refunded as agreed on their email they sent to me that I will be confirming the NFO findings. I’m really not going to let this slide because that’s a lot of money I need to be refunded. Your services chose not to refund me even when lawyers tried reaching out to them. Your honesty to the public is really lacking accountability and customer service!