Unauthorised Debit Order By Discovery

I joined Discovery last year September & I took out a Life insurance, funeral cover and a medical aid cover. I was in a process of buying a car therefore I also app**** for a car insurance. They were supposed to debit the first premiums of all my covers by the end of October.

Unfortunately I lost my job end of that month (September), I informed them immediately to cancel all of my covers because I wasn't gonna be apply to pay the premiums because I was unemployed. They cancelled the life insurance and funeral cover, I also didn't go ahead with buying a car.

I've been battling with a debit order of a medical aid cover since October last year. Even though I wasn't working until January I had little savings on my account and that's the money they kept of debiting. Every month I'm forced to stand on long Qs at the bank to reserve that debit order.

I've sent them several emails without getting help. When ever I go to the bank to enquire, I'm told that Discovery keeps changing reference numbers every month.