******* 1 June debit order processed after cancelling during 5-day cooling-off period

I am writing this to warn consumers and to demand an immediate refund from Clientèle.I signed up for Clientèle Perks on 23 May. The application failed to open on my mobile device, so I exercised my legal right to cancel the policy immediately. I sent a formal email cancellation request on 25 May—only two days after signing up.Despite giving clear notice well within the legally protected 5-day cooling-off period, Clientèle went ahead and ran a DebiCheck collection on my Capitec account on 1 June. When I called the head office to rectify this, I was flatly told by the consultant that I cannot get a refund.This is a direct breach of Section 4 of Clientèle's own Perks Terms and Conditions, which guarantees a full refund of any monthly fees received if cancellation is requested within 5 days and no benefits have been claimed. I have not used a single voucher.Capitec cannot reverse this because Clientèle processed it as a locked DebiCheck transaction, meaning Clientèle must now manually pay my money back via EFT. I have full email proof of my 25 May cancellation. I demand that a manager contacts me immediately to arrange my refund, or I will lodge a formal dispute with the National Consumer Commission (NCC).