Bears Secunda

I opened a account with Bears in November and then I cancelled the account and paid cash for my furniture. They debited my account on Old years day and when I phoned them I was told I must sort this out. This was a cash transaction and I should not have been debited at all. The consultant did not want to help me and the manager was rude on the phone. How am I the one who should sort this out??? The service is pathetic