Incompetency at its best

I am appalled at the level of incompetency rendered by this company. A company who's sole purpose is to alleviate financial stress! I cancelled my account on the 4th of June, as the installment is massive and way out of my budget. On the 30th of June a debit order went off. I have called so many times, I keep being told that it is resolved, only for the next person to tell me that nothing has been done. I call again - and again I am assured it is cancelled and I will be refunded - this rediculous scenario has been going on since the first of July and today I'm told that I will not be refunded.... also, apparently I need to speak to a different COMPANY who handles the debit orders. I called HYPHEN PDA, only to have the call cut, because I phoned two minutes before closing time. I am out of R4000 and no one wants to help me, everyone keeps making promises, or gives me a new emial address to make use of - This is truly the most *********** lot I've ever come accross and anyone who cares to differ with me, needs to put themselves in my shoes first.