Burial Policy

Regarding a burial policy taken out on the 24th October 2024 for my wife, first installment was on the 5th November 2024, she canceled her policy on the 3rd December 2024 consultant confirmed everything. On the 6th December a debit of R200 went off. I then phoned spoke to Hloni who said it takes 31 days but was not given that information previously. So I just want the R200 refunded immediately. How can you pay for a policy which does not exist. So please pay the money owing.