Taking money without authorisation.

Myself and my wife lost our jobs during covid. We decided to sell our boat for some capital to start a buy and sell business.Due to no income we cancelled our policies and medical aid. Knowing the importance of medical aid, we decided to to shop around for a hospital plan. Clientele phoned a few times, gave us a quote and sent us some emails. At no point did we agree on taking out any form of policy with Clientele. I was very shocked today when I received a payment notification to Clientele. No authorisation verbally or via a written contract. The amount they took will now apparently only be paid back to us after 45 working days. All I want to know is who gave them permission to take my money and why does it take them 45 working days to pay me back. Is it by chance that they use all these customers money and earn interest on it? Will I get my money back with interest? When my phone died due to airtime running out, they did not even bother to phone me back. I will not recommend Clientele to anybody. Worst service I ever received. Please help. My contact nr is ***