Debits you ********ly and takes time to refund you

I was looking for car insurance options and at the time was in a hurry so I decided on Budget. Just after my insurance with them was confirmed on the 7th of August my broker found more affordable insurance and I decided to cancel my insurance with Budget immediately by telephone, the person from Budget ensured me my insurance was now canceled with them. On the 12th of August I was then still debited for the R1270 for the Budget Insurance. I immediately phoned them and asked why I was debited just to be informed that my insurance was never canceled in the first place. Due to my budget constraints I had only set out enough money in my account for my new insurance to be debited, which then also failed because Budget was sitting with my money. On top of that my bank penalized me R100 because of the failed debit order. Since then i have spoken to 4 different people at Budget and have yet to be refunded for my debit as well as the penalty from the bank. Every time I just need to hear another excuse. Ive racked up over R200 in phone bills phoning Budget to resolve this matter.