refused to reverse my bank charges

Hi i had requested my policy t be cancelled 2 months ago and they could see that everytime they tried to debit there was no funds available but they still continue to debit, i was in hospital an one of the consultants called adn i requested it be cancelled still nothing was done i was called again and said i am in hospiatl the idiot still request what time can he call me back do they not understand a person is in hospsital and unable to speak, thhen a lady calls me and she even repeats that i wanted it cancelled she did not inform her deparment , i called in again requested it be cancelled i was told to send my bankstatement to prove bank charges and was informe it cannot be refunded AND ON TOP OF IT THEY STILL DEBIT R1000.01 FROM MY ACCOUNT and was told i myust wait 9working days to get money refunded.what type of ******s do they employ at that place so upon asking me to prove that there was unpaid item fees i was told they cannot refund it and still took money out of my account again now my credit profile reflects bad because of idiots that work there i would like my funds reversed ASAP or i will take this too COURT