Discover Bank charges

I received a Bank Statement from Discovery Bank today, showing a deduction of R 435.79, plus interest charged on the amount. The deduction is placed on my account on 18 Des 2021. I cancelled it right away, this morning, but was told it cannot be reversed as I asked for the service years ago. This deduction is for the new year. I am asking Discovery, I do not have the service any more, what should I pay for a service I cannot use in 2022. I looks to me they are getting fees for no return ? Sounds ******* ? If you deduct these fees yearly, is it my problem you do not deduct it monthly, so we as clients can cancel? By the way Discovery, if you react on this, please do not send me a private message, I could not read the previous one, send it to me by email or just post on Hello Peter so every one can see. Thank you