Clientele the ******!

on Thursday the 16th July I called in to open a policy with Clientele, on 23rd July I called to cancel as I wanted to change the policy ( found out myself and my son already had a policy with my life cover) I wanted to then cancel the one I made and then do a new one where hubby will be on alone with his dad. long story short, it hasn't even been 7 days since I did the application and this people telling me my account will be debited as they need atleast 30 days notice! how in the lords name do I give 30 days notice when the policy was made 7days ago? I wanted to open a new policy but decided against it else my account would be debited twice. ontop of this they telling me I will receive a refund in 45 days. they a bunch of ****** if you ask me, they supposed to cater to people canceling within the same week!