Absa credit life

I bought a vehicle through Absa Vehicle Finance. They never ones said that credit life cover are compulsory if it was surely it would have been included in the premium like the warranty. So they did contact me and asked if I wanted credit life cover and it sounded OK untill I discussed it with my husband and he pointed out certain factors.

I am already on disability and thus do not need disability cover.

I have existing health conditions so the policy only come in effect after one year and we have existing policies in place.

I contacted Absa to cancel the policy and the said I must do this in writing which I did two weeks ago already. Today I received an e mail to say I cannot cancel this policy without proof of preexisting life cover and disability cover.

Why did they not discussed it with me when I bought the vehicle? Why did they not asked me for the proof when I bought this vehicle?

I did send them the proof of my Discovery documents will this now take another two weeks to process? Will they put a debit order through without my consent come month end?

Really not happy with Absa Life and want to worn people to be careful.