One star too many

I cancelled my Policy through a written email to my advisor JP Coetzee on the 28th of October after the policy was initiated without my consent and the first debit order was paid. My money was refunded beginning of November hassle free. So clearly my notice was received and actioned. Now I realised further debit orders was taken for the months of December and January. All I have to listen now is excuses, I was told I need to ask my bank to return payment. Why can't you just refund me like you did in November? Why was my policy reactivated for further payments? Pathetic!