Bad Service

I took out a platinum funeral cover on the 12 of October and inform them to deduct the 1st payment end of this month, but they debited on the 25th on money that I was supposed to go to the the doctor and now because of them I lost my job and I am still waiting for the the refund. On the 25th I phoned them past 12 and ask for a refund they said it will take 24-48 working hours, up until now I am still waiting for my money. I would never recommend them to anyone because they like debit on their own dates without the customers approval.