Mission to get a REFUND DONE!!

I HAVE BEEN RETRENCHED AND HAVE A HOLLARD POLICY WHICH TOOK 15 DAYS TO GET APPROVED. HOLLARD PAID MY CAR INSTALLMENT ON THE 31ST OF MARCH FOR APRIL,IT WAS TOO LATE TO STOP THE DEBIT ORDER BY WESBANK SO MY ACCOUNT WAS DEBITED ON THE 4TH OF APRIL INSTEAD OF THE USUAL 1ST OF APRIL.I TRIED TO GET A REFUND DONE,AND THIS CONSULTANT FROM COLLECTIONS: \Mbuli, Nelson\" DID NOT KNOW HOW TO DO HIS JOB PROPERLY!WHEN I 1ST CALLED AT 8AM, HE ADVISED THAT MY DEBIT IS REFLECTING BUT NOT THE HOLLARD POLICY PAYMENT.CONTACTED HOLLARD,THEY SENT ME PROOF OF PAYMENT, I THEN SUBMITTED THIS TO NELSON AND KELE,THEN THE PAYMENT WAS REFLECTING. I WAS THEN TRANSFERRED TO CUSTOMER SERVICE TO ARRANGE FOR A REFUND,AND APPARENTLY DUE TO THE FACT THAT ITS A NATIS DEBIT, HEY CANT INSTANTLY REFUND MY DEBIT,WHICH I FIND PATHETIC AS WESBANK IS A PRODUCT OF FNB AND IT SHOULD BE DONE IMMEDIATELY!I THEN GET AN EMAIL FROM NELSON STATING I MUST GO TO THE BANK AND DO A REVERSE WHEN I KNOW THAT FNB CANNOT REVERSE A PAYMENT OF THEIR PRODUCT!CONSULTANTS LIKE THESE, WASTED HALF MY DAY WHEREAS I COULD OF BEEN USING THAT TIME TO APPLY FOR JOBS! HE CANNOT EVEN TYPE ENGLISH IN HIS EMAILS PROPERLY! SORT THIS OUT"