AIP services ********** deduction

I received an sms and email a couple of months ago from AIP services, apparently a division of ABSA stating that if I don't forward through a copy of my insurance policy a premium would be added on to my account. Naturally I was fuming and proceeded to contact them as well as AVAF customer services. Firstly who gives them the authority to add on insurance to my account without my consent? AVAF could also not assist me so I forwarded my insurance policy through to them to satisfy them. Today looking at my statement by chance I see a 'sundry items' amount being added onto my account for the exact amount they threatened to add onto my account. This is an OUTRAGE!!! I have never been so disgusted with a financial institution in my life. Who gives ABSA the authority to ***** money from their clients. Who knows how long I have been charged for this anyway! I expect this matter to be resolved immediately and these unauthorised premiums refunded to me or I Guarantee that I will take this matter to the highest level and the responsible people involved will pay the price.