very bad service

I called cancelled my vehicle from my insurance policy with dialdirect in march 2014 as I sold my car when I cancelled the service consultant did not tell me that I have policies attached the 2016 Toyota yaris that I had. a few weeks ago my financial picked up on my bank account dialdirect is deducting R220 + from my account when I called direct they told me Its a mechanical warrantee policy throught a company called innovations and they transferred to them they advised me they will cancel the policy within 21 days and I advised them I don't have the car and I want my refund for the all the months that I paid .they told me there is no refund and I must speak to dial direct that should have told me the policy and that sold me the policy dial direct said I must speak to them but I never called innovations dialdirect sold me the policy and I never received any documentation.