Unauthorised deductions from bank account.

Just received an sms from capitec stating that R156 was deducted from my savings account for "legal cover". I have never authorised any deduction and I request that capitec sends me the instruction they received authorising this deduction and making certain that the money is put back into my account with all costs. Upon checking my bank statements I noticed that an attempt was made the previous month but failed due to insufficient funds. I am an unemployed student that cannot afford legal cover or need it. I also expect capitec to correct this negative effect on my credit profile. If this is not done by c.o.b. today I will be contacting the banking ombudsman. This is unacceptable and ********* to say the least.