Unauthorised Transactions

Hi I have been making use of Debtbusters to reduce my debt. With this service I had to take out 3 insurances to cover should anything happen to me. This insurance cost is included in my monthly installment. With the lockdown I arrange with them that I was unable to make payment for the month of June. They advised me to keep money in my account to cover my insurances. June they didn't deduct the insurances, but they deducted my normal installment and the 3 insurances in July which was right. August they deducted my installment and the insurances again. I notified them and the money was refunded. This continued September (money was refund) and October again and every time I asked them to cancel this as my bank account reflect negatively and extra bank cost for me. For the 3 months one or two came back insufficient fund. 16 October it happened again and this time I asked them to cover the bank cost as it was my fault of my. Caylin Swarts informed me that they are not allow to cover the extra bank cost. Please assist me, it's not a lot of money, but every time they conduct this unauthorised transactions, I must cover the bank cost. Hoop you will be able to assist me. Kind Regards