i paid mine off completely in september 2019, stil...

i paid mine off completely in september 2019, still dont have completion and they also tell me it will take 28 days to refund money owed to me, this is atrocious they can do it in 5 minutes or less. telephone contact nigh on impossible , 40 minute wait followed by 30 minute dont touch with barge pole. finally after threatening them with ombudsman, got completion which was finished 5 months ago, am now going to ombudsman because companies refuse to remove data off credit report and still no refund.