I called in to let Auto and General that know that I haven't received the car yet

I called in to let Auto and General that know that I haven't received the car yet. I was told that my policy will be placed on hold and the debit order will not go off. But that was not the case. The debit order went off and there was no money in ny account. This would ruin my credit record, I'm really not happy. I decided to cancel the policy, and the lady was help