Unacceptable service from Standard Bank Home Loans and HOI and

I am beyond frustrated and furious. My bank account has been debited for over one year now for HOI (home owners insurance) even after i have informed Standard Bank that i have taken out my own HOI with my insurance company. The confirmation of that was emailed to them and they acknowledged that it was received. Still they debited my account. I have been in contact with Pelma (HOC) and Zaakirah (home loans specialist) from Standard Bank for more than a month. I asked that the refund be paid back into my personal bank account where this money was taken from without permission. I was then informed the refund was paid into my bond account, after another few weeks of emails back and forth it was informed the refund was paid to my personal account. According to my calculations the amount to be refunded was in excess of R2500. The amount refunded was R104.22. This must seriously be some kind of joke. I cannot understand how such a simple instruction needs to take up so much of my time. Your service is beyond pathetic and completely unacceptable and i will refer my home loan to another bank if this is not sorted out immediately . I expect a full refund off all my premiums paid for HOI that was debited from my account without my permission.