Ackermans store

I am Patricia Morgan I have a Ackerman's card and I've had the account for a long time and I saw that my monthly payments were not dropping I asked them what happened they told me that I have a funeral cover which took R69 which I did not know . I asked then who signed for it and who did it cover but they told me that they can't help me so the assistant manager assisted me and told me that there was another funeral cover that I cancelled in 2014 that took R80 from the payments I made without my knowledge and then they said I should bring affidavits so they can pay me back for the funeral covers but once I did that they told me that they will not pay me my money and they called the funeral cover people they told me that they will not show me any agreement forms or any proof that the cover is even mine . The Ackermans store did not do anything to help me from that day I have even reported the. To the ombud but they did not even respond too . Hellopeter please help me I was told you help many people . Thank you