Capitec ******

I opened a funeral policy some months ago but was not able to pay a premium as yet as I lost my job after opening the policy. I tried canceling the policy on the app it gave me a error I tried again by calling and I was sure that it was canceled as I am still unemployed. I have been receiving funds from friends and relatives to assist with my sick mom whom I also wanted to cover by the way. The amount I received varied from R100 to R1500 but no money was evet deducted this made me be certain that my policy had indeed been canceled. Today my niece send me money and guess what Capitec deducts the money for a premium. How how please make le understand as money has been sent to my account in the past 2 weeks without any issues. This is totally unacceptable. I really need my R317 back urgent as I have a gravelly ill mother to attend to