Worst vehicle finance

I had Two short fall covers of which I wasn't aware of, it was brought to my attention by M-sure. M-sure advised that I cancel the one cover of which it was done. They refunded the money back to Wesbank and asked me to call wesbank to request the money back. I was sent from pillar to post, a request of the amount was made last week, only to find out today Wesbank cancelled the refund back to my account, they didn't even have the decency to inform me that the request was cancelled. I call in today only to find a consultant who clearly knows her job, to tell me that ,the refund won't be paid to my personal account but to the vehicle finance account. I already had budgeted towards this money. My question to you *Wesbank* why put my money on advance and not pay it to my personal bank account? The only competent consultant you have there is Mpumi, I forgot her surname, the Lord bless her work ethic. Stop sending me statements, I wanna speak to senior consultant otherwise I'm taking this to the ombudsman