******** deductions

I took out a funeral cover and HELP cover with clientele on 23/07/2018. I asked the consultant to start deductions on 25/08/2018 and she said she got that. I then sent an email on 24/07/2018 to cancel both policies exercising my 30 days grace period. I got an email back saying if there is any premiums deducted I will be refunded in 45days. On the 25/07 both premiums were deducted though I specifically asked for deductions to be made on 25/08. I phoned clientele today and I'm told they can only refund me after 45 days. I have a problem with this arrangement because this deduction was ********. You always say the calls are recorded then why don't you listen to the conversation I had with the consultant on 23/07. I asked for an email where I can lodge a complaint but I was told the consultant will do that for me...how do I know if she will do this as I don't trust clientele consultants anymore. The consultant I spoke suggested I go to the bank and do a reversal, who is going to pay for the reversal, I'm put in a difficult position because I can't walk due to health reasons. How do I get my money back ASAP as this whole saga was caused by your consultant by deducting my money ********ly