Unauthorized Debit and lack of communication

Early this much I was approached by one of the representatives from Clientele life in Kagiso Mall, I was interested to listen about how their funeral cover works. I agreed to open a policy with them and requested for the premium to only start in January, the lady who was assisting me assured me that I would get contacted by someone from their head office to discuss the policy and also to add more people to my policy and also discuss when I'd like the premium to start. To my suprise Dec 21st I gotban sms saying the clientele life would debit from Dec 22, when I saw that I immediately got in contact with Clientele Life on WhatsApp to confirm my account would not be debited and also to let them know that I've not had any communication from them since I spoke to the lady at the mall, I got no response on Whatsapp . Dec 22 R323 was deducted from my account by clientele Life, I immediately called the contact center to despite the debt since I was not able to do it through my app. The lady I spoke to assured me the funds would be reversed in 72 hours but because of all the holidays it would be between yesterday which was Dec 27 or early today Dec 28 and that money is still not in my account. I tried to call them again today just after 16:00 and the line says the call center is closed and need to call during office hours which are 8:00 to 17:00 which does not make since to.me because I called during the office hours. I was really interested in taking a policy with Clientele life but they have very poor service and all I want now is to get my refund as promised and cancel the policy.