Unauthorised Billing

I took out a home loan with SA homeloans in June 2014 and was contacted telephonically by some company regarding life insurance on my homeloan. I declined as I had enough life cover in other policies. On going through my bank statement in June 2015 I discovered a debit for R273.13 that had been coming off my account every month since June 2014. It said Betterlife on the debit order description so I contacted them and asked what the amount was for. Firstly, I was told that someone would phone me back - they couldn't transfer me because this call was recorded! I did get a return call from a man who said it was for my bond life cover. I requested that he check the recordings and would find that I had declined the offer to take a policy. (I also never received any policy documents). He said he would look into it but never contacted me again and the debit order has come off my account AGAIN! I would like to know how they even got hold of my bank account details in the first place. This is a DANGEROUS practice if we need to be afraid to even answer a call and ultimately amounts to *****. I need to be reimbursed for ALL premiums that have been deducted from my account - with interest