1. Contact the customer service of Pacific Insurance Company: You can directly call the customer service number of Pacific Insurance Company and contact the customer service staff for consultation and negotiation.

2. Provide relevant evidence: You need to provide some relevant evidence, such as loan contract, insurance policy and repayment record, to prove your repayment.

3. Apply for a refund: If the negotiation is successful, you can apply for a refund according to the instructions of the customer service staff.

4. Waiting for processing: It usually takes several working days to wait for Pacific Insurance Company to process the refund application.