Charged for insurance without permission

<p>I cancelled my cellphone insurance for my Samsung S5 last year and received an sms to confirm it was cancelled. I then got an upgrade in October last year and stayed that I didn't want insurance and it is now February and I have been charged since last year November for insurance without any authorisation or signing power from myself. I called this morning to find out that I must cancel my insurance again. I want my money refunded today! This is theft. You cannot debit someone's account wi thout authority to do so. This is disgusting service. </p>