BAD SERVICE FROM TFG AND PARTNERS

I settled by TFG account last year in September and requested that account to be closed which did not happen, I then received a statement which reflected 3 cellphone insurance billings, I then contacted TFG letting them know that I only had 2 cellphones insured, I was then referred to FINRITE.I contacted FINRITE and the consultant that helped me said he will log a request for all the premiums I had paid as he could see that I only had 2 cellphones. I have been struggling with both this companies, When call TFG I am told to call Finrite and vice versa. Today Finrite told me that the matter lies with TFG as the do not authorize refunds. Its six months of struggle and still not getting assistance and I WANT ALL THE MONEY THAT I HAVE PAID