UNAUTHORISED DEBIT ORDER

Last month I was shopping around for medical aid, so I went on line to get different quotes for different schemes,I later received a call from one of the consultants from Discovery. I had already decided from what I read online that if I were to take medical cover with Discovery i would take the Coastal Saver so she explained to me everything about that plan, asked for my details I gave them but I told her that was not my final decision yet, she said Ok she will e-mail me the quotation and if and when I'm ready to make my decision, I should just sign whatever she was going to send me and I send it back to her to complete my application. I however did not receive the e-mail but on payday my account was debited with R1710 which was returned as unpaid because I did not authorise such a debit.IT INFURIATES me because my bank charges me r180 for each bounced debit order and it ruins my credit rating. I have to incur such costs just because people in the call centre do not do their job properly or only care about making a sale and do not really listen to what the client says because I specifically requested that she waits till I sign.