Very unprofessional

I'm very hurt and disappointed with Clientele. I've been paying a policy since 2015, 2 months back didn't pay since I lost my job. On 22/08/18 the lady from Clientele called me and asked why I'm no longer paying my policy. I explained, she then said they can reinstate it, I agreed because she said they only deduct the money on the 30th of September. To my surprise on the 25/08/18 my very last money has been deducted by them. The money that I suppose to take my son to the doctor with since he is sick, I am now stuck with a sick baby. I don't know what to do. I need my money back please reverse it URGENTLY my son is sick. If I go to the bank myself, it will cost me double transport money and the bank will also charge me, who is going to be responsible for those charges????? By giving you permission to my account I didn't mean you must go in as you please. I'm not owing you. You're making people's lives miserable, you've caused me unnecessary stress now I look like an irresponsible parent.