Instalments increased without notification, refund problematic

Wesbank increased my vehicle finance instalment without notification by R450 pm because they thought I didnt have comprehensive cover. I only noticed about 5 to 7 months later. When they refund me, they pay the refund on my vehicle finance account and not my cheque account where the said funds where initially deducted from.

I contacted them around the 19th of January via email but I'm only getting my refund today on the 7th of February. I'm very disappointed and greatly inconvenienced by wesbank services. It is very costly to get hold of them and time consuming as you have to wait extended periods of time to get hold of them over the phone.