Other option is to call bank, get an indemity claim sorted which will get you the cash back same day (saying VM have made an error) - close the DD and then VM will send you s final statement around a week after disconnection - which will show what needs to be refunded or paid.
I am really sorry you've still not gotten your refund. I would like to look into this further. To enable me to do so, I am going to send you a private message. Please look out for the purple envelope in the top right of your sceen.