********** debit order

Clientele life it's a croock company that stole my money, they debited me last month (October 2020) an amount of R329, I went to Capitec bank and dispute a debit order as I knew nothing about it and I requested it to stopped. This month (Nov 2020) they deducted again as a debit check mandate of which it is a ***** debit order because I didn't get and accept any debit check mandate . Apparently when I called them to find out why debited me as I do not have anything with them they claimed that my son who is 19 yrs old who took a policy with them, when I asked them more information about the policy they said he took a funeral cover when I ask them how many members that are in that policy they say it is only my son, when I ask them who is a beneficiary they say there is no beneficiary , of which that is strange . All right I asked my son he said he was recruited by his friend to start a business of recruiting he was not informed about the funeral cover policy. What is drives me crazy is that they did a ********** debit check mandate, when you do a debit check mandate it is when you send a message to the client requesting the client to accept and give go ahead for a debit order but they didn't send me I never accept anything from them. Now they threat me as if I am owing them they even blocked me to dispute a debit order. When I want my money back they claimed that they won't refund me. I WANT MY MONEY TO BE BACK IN MY ACCOUNT IN THE NEXT 2DAYS.