Contract cancelled - Money *******ly taken by Dialdirect

We have been insured by Dialdirect since 2007. In December we made the decision to cancel our policy after receiving a 25% increase in the premium, even though we have been claim free for eight years. We obtained insurance at a far cheaper rate through our Retirement Village. On 31 December 2021 despite the policy being cancelled as at that date, Dialdirect still deducted the January 2022 premium. After contacting them today, we were advised that they confer that the policy is cancelled and that they are at fault but can only refund us in 7 to 10 working days. Why must we have to wait.. Dialdirect had no authority to take the money from our account as the contract was cancelled and with this all debit order mandates. Why must we, the client suffer due to *********** staff or systems. In effect they have ****** our money. We are both pensioners and have to pay our new insurer and now do not have the funds as Dialdirect have *******ly taken money from our account, we cannot wait and should not have to wait 10 days. Shame on you.