DEDUCTING PREMIUM BEFORE POLICY STARTED

Dial Direct (VAP) deducted a premium from my account before the actual policy started. <br> I am desperately trying to get my premium back, but being sent from pillar to post. It's not a lot of money (premium) but it's the principle that counts. (you cannot deduct money from my account before the actual policy started). Their staff have also no clue as to how refunds works, ie, the duration it takes before money are refunded - some say 2 days, others say 14 days, some say 5 days, etc...<br> I am definitely cancelling my policy with them. (only been with them for 2 weeks) - *** SERVICE...