Refund policy

Hi im very dissapointed in clientele life services I have been with them.since 2017 their services were exceptional every time I called in they fast and proffesional due to being renchented I had to cancel my policy but around 20 days later I reinstated it again I spoke to a consultant on 30 of july who advised the policy will continue that it wont be like im starting afresh on the first on the 1st of august I was debited an incorrect amount I called in query and now I was advised differently that this Is a new cover and thats why an incorrect amount was debited I decided to cancel the cover again 24 hrs after it was taken I was advised on a refund due to the cooling period but when I sent an email to query whats the turn around time for refund I was then advised I wont get a refund I understand I won't get my premuims back from 2017 but I should get refunded the premium debited on the 1st I did cancel the policy 24 hrs later I need some clarity on that