Refund refused after funeral cover cancellation ahead of time

I had a funeral cover with Clientele that was cancelled on the 10th March 2022 since 2012 and upon cancellation requested for my bank account not to be debited on the 20th of March since I cancelled their policy ,to my surprise they refused and they said debit order will run .

I further took this up with their accounts department for a refund on my account however they refused me this refund saying that their policy will not refund me if I cancel within 31 days and I have requested for my signature on the policy where I have agreed and cannot be provided with this information .

My question is how do I give notice on a funeral cover not only that I have had this policy since 2012 until March without any interruption or cash back and the least they can do is pay me back the debit order they where requested to cancelled ,but they don’t believe in treating customers fairly they they would rather have R370 instead of working with principle and business ethics and not protect their reputation over R370 this is really shameful the way businesses operate in our country and I hope people will reconsider taking any policies with them .