Incorrect debits against my account

I have written PAGES of emails to ***. None of my mails were answered. The Credit Insurance paid short. On top of that, there are several unauthorised charges against my account. I called Capitec. the 'wait' music is TERRIBLE!! Who decides to play irritating ******* to customers? I was transferred to 8 different people who could not answer my questions. Finally I reached Credit Insurance. Boingono said I must read my contract. When I said I did not have it, she must mail it to me, she said Capitec also does not keep contracts. Although the contract may explain why the payment was short, it still does not explain more than R900 of unauthorized debits against my account. Ref ***0