Completely dissapointed

On the 19th of October I had taken out a scratch and dent policy with ang, I clearly asked the consultant to start my cover on the 1st of November and I asked her repeatedly how much will be debited off my account and she had said R99.on the 1st R198 was debited off my account. I called in to enquire and she told me there must have been a system error for a double debit and she would take it up to her manager to do a refund. Today at 4pm I received a call again from the consultant saying that after investigation she had found out that they now start debiting in advance for the month. So on the 1st of November they had debited for October and November. I said but I clearly asked you to debit me at the end of the month for November and why would I pay for October for 10 days which I was not even aware of. She was persistent that it was for October in advance? But why wasn't I debited on the 19th If i wanted immediate cover. How is the 1st of November advance for October? I asked her to go back and listen to my call and call me back immediately. I'm still waiting for the call back at 17.39. Yes to many off you it might only be R99 but what if it was more? What is service today?