REFUSING TO REFUND DEBIT ORDER

I was contacted by Duane for a quote for Property Insurance,I communicated via email with Duane that i do not wish to take cover with Auto and General as FNB who is dealing with our homeloan have already asked Outsurance to quote and give us cover.I communicated with Duane that Outsurance have given us a better rate and therefor cannot take the cover with Auto and General.Now Auto and General refuses to refund my Debit order they deducted from my account which i have not given permission to do.I have written proof that i did notify Duane that i am not taking cover with Auto and General, and now Suenette Von Waltsleben is saying that according to the recording i did not just ask for a quote i agreed to the Policy.Suenette maybe you should look at the facts before you just decide not to refund.In wrtiting it was communicated to Duane not to proceed with the Policy, therefor according to me i have cancelled the telephonic conversation we had regarding the quote for the Policy.