Refund request

Affinity started to deduct my payment in November and December 2015 and said I can go to a doctor from the 1st of January. My husband and my son got sick in January and could not use the medical as it was suspended. When I called them and query why, they said because I reversed the debit order for December 2015, I explained that I reversed it due to double debit order and that they never said that they will take 2 instalments in December. I now cancelled and requested for them to refund my 3 payments, but according to Affinity I can only get back 1 instalment. I DID NOT GET ANY SERVICE FROM THEM SINCE I JOINED THEM. I JUST FEEL THAT I AM BEING RIPPED OF. NOW THEY WANT TO TELL ME THAT THE GUY WHO HELPED ME IS NO LONGER WORKING FOR THEM AND WAS GIVING ME INCORRECT INFO. THAT IS NOT MY PROBLEM. IF I DONT GET MY 3 PAYMENTS SOON, THAN I WILL POST THIS ON ALL OTHER SOCIAL MEDIA PLAT FORMS.