Reap off of a Policy

do not take a policy with Capitec , i took a policy and asked them to debit in February . This was done in October but now i woke up to a debit order which i had not budgeted for . i asked them for a call recording as i had specifically asked them not to debit my account . I was told the policy kicked in November and i asked them have i didnt pay anything in November and December since i had agree to start paying in February and i was told my cover started in November .. My question to them had anything happened to me or my family member November and December would they have paid out .. thier answer was a Big NOOO ..which i understand i hadnt started paying but now boom they take my money but no cover . i need this sorted out this is pathetic how do u take money that i already said i dont have for the policy yet u debited either way . I need that money reverved or get me that call recording .