Refund

Good day, I had 3 policies with discovery , payment was done through stop order and in March policies were cancelled but money was still been taken when I sent a email to phakama was told to send my payslips which I can’t provide us I was suspended and couldn’t access my emails but through this suspension I was paid and my policy received premium . Now iam told can’t get my refund . If not sorted will find ourselves with the ombudsman