bad service from *******

I phoned around for insurance on new vehicle, and decided on Dial direct. I was sent a policy schedule which had different info than quote. I also said NO to marketing. From activation in the late pm, I received in excess of 5 mails, first thing in the am, I also received a marketing call, in which the lady was having a personal conversation while I was waiting, then she had my car wrong, and spoke with a bad attitude. I contacted the agent, and informed him of the issues, I was told he did tell me about the excess, and it is on the quote, it is not, it says R0, and he is sorry for the marketing, and the "reminder"mails are normal. I did not appreciate the repsonse, and opted to cancel. This in itself was an agitating experience. I cancelled before the policy was to be active. I then requested refund, and repeatedly confirmed it would be for the full amount, both debit orders, I owe them nothing, because I expected they would keep a "fee", which of course they did. I should have listened, bunch of ******. Dishonest, always a justification.