RCS's refusal to reimburse me the additional credit life protection I paid for several months

RCs loans requires one to have a credit life protectin, either theirs or an alternative one. I used theirs in the first few months, got mine but they still continued to charge me theirs. I was forced to change my account to resolve this problem. They are refusing to refund me for the 3 months of double payment. I engaged the financial ombudsman which says they do not respond to the query sent.