Poor Customer service and taking my money

Absa activate car insurance has poor customer service, I was constantly on hold to speak to an agent for over 20 mins to be transferred to underwriting to which i was on hold for 20 mins where they dropped the call. They could not try to retain me as a client as they increased my renewal premium i kindly sent several emails to cancel my policy with no response from Nomvula Sithole i then called again today with my airtime and was on hold again and they cancelled it, I asked if there would be any future deductions and was advised no, this evening they deducted my full premium? Im furious as if i were to dispute the direct debit my bank will charge me over R45 which i wont be compensated for by Absa. So unprofessional and annoying