False advertising!

On 7th Jan, I requested quotes from various institutions for family funeral cover. My husband and I jointly decided on Clientele. It was registered in his name. He then requested that the they only debit on 29th Feb, which means the policy would commence in Feb. Upon reading the policy document, it stated that clientele reserves the right to debit early should funds be available10 days before the debit collection. My husband then requested that this be removed as we do not want them debiting his account on any date other than the fixed date (29th). The consultant assured him telephonically and via correspondence that the policy has been flagged for no early debits. Then they went ahead and debited on 22 Jan! My husband then contacted them requesting a refund and cancellation, refund was to be processed within 3-4 working days. After numerous emails as it is now reaching the end of TWO Weeks, today he receives and email stating that the policy has been cancelled and the refund should be processed within the next 7 to 10 working days! It did not take you long to wrongfully take money from his account and now have him wait this long for his money back. Please process the refund ASAP!!